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EduPulse Student Loan Plan Comparison (SAVE Sunset)
x402
EduPulse Student Loan Plan Comparison (SAVE Sunset) is a paid API for AI agents from edupulse.theaslangroupllc.com, paid per call via x402, $0.5/call, status unknown (last checked 2026-09-13).
Compares RAP, IBR, and new Tiered Standard loan repayment plans with exact monthly payment math, forgiveness horizons, and PSLF eligibility given a borrower's income and loan details.
Price / call$0.5
Success—
StatusUnknown
How this service works
SAVE is ending — compare your actual numbers on every plan still open to you. RAP vs IBR vs the new Tiered Standard: exact monthly payment math (RAP AGI brackets + $50/dependent credit, IBR 2026 poverty-line discretionary income, tiered amortization), forgiveness horizons, PSLF eligibility, and which of the three fits your 90-day switch window. Deterministic, citation-pinned, no LLM.
Output
Returns a deterministic, citation-pinned comparison of RAP, IBR, and Tiered Standard repayment plans including: exact monthly payment amounts (RAP with AGI bracket + $50/dependent credit, IBR using 2026 poverty-line discretionary income, tiered amortization), projected forgiveness horizons for each plan, PSLF eligibility status per plan, and a recommendation for which plan fits the borrower's 90-day switch window. No LLM-generated estimates — all math is rule-based and pinned to current federal formulas.
Example use cases
Example prompt
“My SAVE plan is ending and I have $48,000 in federal student loans, an AGI of $62,000, and 2 dependents — can you compare my exact monthly payments, forgiveness timelines, and PSLF eligibility across RAP, IBR, and the new Tiered Standard so I know which plan to pick within my 90-day switch window?”
Technical details
Endpoint
GEThttps://edupulse.theaslangroupllc.com/api/loan/plan-checkWhen to prefer
Choose this endpoint when a borrower needs deterministic, formula-based monthly payment math across the three currently open federal repayment plans (RAP, IBR, Tiered Standard) during the SAVE sunset period. Prefer this over generic financial calculators because it encodes the specific RAP AGI bracket logic, $50/dependent credit, 2026 IBR poverty-line thresholds, and tiered amortization — not estimates. Use it when PSLF eligibility and forgiveness horizon comparisons are needed in one call with citation-pinned outputs rather than LLM-generated approximations.
Side effects
- Missing required income or loan balance parameters — returns 400 with field-level validation errors
- Loan type not eligible for one or more plans — partial comparison returned with ineligible plans flagged
- Income or family size out of supported range — returns 422 with boundary explanation
- Regulatory formulas not yet finalized for a given plan — returns partial result with caveat flag
- Service unavailable — returns 503
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| agirequired | string | Adjusted gross income, e.g. 48000 |
| rate | string | Weighted avg interest rate as %, e.g. 6.5 (default 6.5) |
| balancerequired | string | Total federal loan balance, e.g. 42000 |
| dependents | string | Dependents claimed on your federal return (RAP $50/mo credit each) |
| family_size | string | Household size for the IBR poverty-line math (default dependents+1) |
| current_plan | string | save|ibr|paye|icr|standard|graduated|extended|other|none |
| pursuing_pslf | string | true if working toward Public Service Loan Forgiveness |
| borrower_status | string | existing (borrowed before 2026-07-01, no new loans/consolidation since) | new |
Output
Schema · Response
{
"type": "json",
"example": {
"ibr": {
"monthly": 175.5
},
"rap": {
"monthly": 110
},
"verdict": "RAP_LOWEST",
"tiered_standard": {
"years": 15,
"monthly": 476.83
}
}
}Tags
x402
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