# DebtPulse Student Loan Strategy

> DebtPulse Student Loan Strategy is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.12/call, status unknown (last checked 2026-09-15).

Provides country-specific student loan repayment strategies covering US IDR/PSLF, UK plan comparison, Australian HECS, and Canadian RAP programs

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/student
- Price: $0.12/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-student-loan-strategy-00c408d4
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_GC2__dRrWP1szvV93qdHw

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability debtpulse-student-loan-strategy-00c408d4
```

Example prompt: I'm a US borrower with $45,000 in federal student loans earning $55,000 a year — can you compare my IDR options and tell me if I'd qualify for PSLF and how much I'd pay under each plan?

## When to prefer this

Use this endpoint when the user needs country-specific student loan guidance — especially for US federal IDR/PSLF programs, UK plan comparisons, Australian HECS repayment thresholds, or Canadian RAP. Best for borrowers seeking a structured repayment strategy with program eligibility analysis rather than just a payoff calculator.

## Known failure modes

- Missing or invalid country code returns an error or unsupported country response
- Income or balance values out of valid range may produce inaccurate projections
- Unsupported loan type for a given country may return no matching programs
- Service unavailable or Vercel cold start may result in timeout or 503 error
- x402 payment failure results in 402 response before data is returned

## How this service works

Student loan repayment and forgiveness strategy. Covers US income-driven repayment (IDR) and PSLF, UK plan comparison, Australia HECS, and Canada RAP, country-specific. For debt-relief and personal-finance agents.

## Output

Returns a country-specific student loan strategy breakdown including eligible repayment programs (e.g. IDR plans, PSLF, UK Plan 1/2/5, HECS thresholds, Canadian RAP), projected monthly payments, total interest cost, forgiveness timelines, and a recommended strategy based on the borrower's situation.

## Example request

```json
{
 "type": "federal",
 "income": "55000",
 "balance": "45000",
 "province": "US",
 "employer_type": "nonprofit"
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "lang": {
       "type": "string",
       "description": "en | es | fr | de | pt"
      },
      "income": {
       "type": "string"
      },
      "loan_type": {
       "type": "string",
       "description": "federal | private | mixed"
      },
      "loan_balance": {
       "type": "string"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "repayment_plans": [
   {
    "plan": "SAVE",
    "monthly_payment": 210,
    "forgiveness_years": 20
   },
   {
    "plan": "IBR",
    "monthly_payment": 285,
    "forgiveness_years": 25
   }
  ],
  "refinance_caution": "Never refinance federal loans — you lose income-driven repayment and forgiveness",
  "forgiveness_programs": [
   "PSLF (10 years public service)",
   "Teacher Loan Forgiveness ($17,500)"
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-student-loan-strategy-00c408d4/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.vercel.app](https://www.zero.xyz/host/debtpulse.vercel.app/llms.txt)