# DebtPulse Student Loan Strategy API

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

Returns personalized student loan repayment and forgiveness strategies across US (IDR/PSLF), UK, Australia (HECS), and Canada (RAP) based on country-specific program rules

## Facts

- Endpoint: GET https://debtpulse.theaslangroupllc.com/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-api-3db3764a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_DI-Te1vJTm31dOiIzCDGk

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-api-3db3764a
```

Example prompt: I have $45,000 in US federal student loans, I work for a nonprofit and earn $52,000 a year — can you pull up my best income-driven repayment options and check if I qualify for PSLF?

## When to prefer this

Use this endpoint when a user needs actionable, country-specific student loan repayment or forgiveness strategy advice across US, UK, Australia, or Canada. Prefer over generic financial advice APIs when the user specifically asks about IDR plans, PSLF, HECS, or RAP. Best suited for personal finance agents and debt-relief assistants handling student debt specifically, as opposed to general debt management tools.

## Known failure modes

- Missing or invalid country parameter returns a 400 error
- Unsupported country or loan type returns empty strategy set
- Income or loan balance out of valid range returns validation error
- Service unavailable or rate limit exceeded returns 402 or 503
- Incomplete inputs may result in generic rather than personalized recommendations

## 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 structured set of country-specific student loan repayment strategies and forgiveness program eligibility details. For US borrowers, includes IDR plan comparisons (SAVE, PAYE, IBR, ICR) with estimated monthly payments and PSLF qualification status. For UK borrowers, compares Plan 1/2/4/5. For Australian borrowers, shows HECS-HELP repayment thresholds. For Canadian borrowers, evaluates RAP eligibility and benefit amounts.

## 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-api-3db3764a/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.theaslangroupllc.com](https://www.zero.xyz/host/debtpulse.theaslangroupllc.com/llms.txt)