# ScholarPulse Degree ROI Analysis

> ScholarPulse Degree ROI Analysis is a paid API for AI agents from scholarpulse-bice.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).

Returns earnings vs. debt analysis by college major and institution, including debt-to-income ratio, loan payoff timeline, and alternative degree options using College Scorecard data.

## Facts

- Endpoint: GET https://scholarpulse-bice.vercel.app/api/roi
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/scholarpulse-degree-roi-analysis-c6e70634
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_q6Hlb8yxJMSji3W6wiNN1

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 scholarpulse-degree-roi-analysis-c6e70634
```

Example prompt: Can you run a degree ROI analysis for a psychology major at NYU — I'm expecting around $65,000 in debt and want to see the debt-to-income ratio, how long it'll take to pay off, and any alternative majors with better financial returns?

## When to prefer this

Use this endpoint when a student or parent agent needs a data-driven financial analysis of a specific degree-college combination, including ROI benchmarks, payoff projections, and alternative recommendations. Prefer this over generic scholarship or aid endpoints when the core question is 'is this degree worth the debt?'

## Known failure modes

- Unknown or misspelled college name returns no data or an error
- Highly niche majors not tracked in College Scorecard return empty results
- Missing required parameters (major or college) result in a 400 error
- Earnings data may be unavailable for very small programs with insufficient sample sizes
- Network or upstream College Scorecard API downtime returns 503

## How this service works

ScholarPulse: real-time scholarship and student finance intelligence for 190+ countries. Scholarship search, Erasmus+, FAFSA strategy, loan forgiveness, degree ROI, and merit aid. Pay-per-query via x402 on Base.

## Output

Returns projected median earnings for the specified major and college, total estimated debt, debt-to-income ratio, estimated loan payoff timeline in years, and a list of alternative majors or institutions with stronger financial outcomes — all sourced from College Scorecard data.

## 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": {
      "debt": {
       "type": "string",
       "description": "45000 (total expected debt)"
      },
      "major": {
       "type": "string",
       "description": "computer-science | nursing | education | liberal-arts | engineering"
      },
      "college": {
       "type": "string",
       "description": "optional"
      },
      "country": {
       "type": "string",
       "description": "US | UK | Australia | Canada (optional)"
      },
      "degree_level": {
       "type": "string",
       "description": "bachelor | master | phd | associate | professional"
      }
     }
    }
   },
   "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": {
  "roi_verdict": {
   "score": "7.8/10",
   "summary": "CS degree at UT Austin with $45K debt has excellent ROI. Median starting salary of $85K gives a 0.53x debt-to-income ratio.",
   "overall_rating": "strong"
  },
  "debt_analysis": {
   "dti_assessment": "excellent (<0.75x)",
   "payoff_timeline": "4-5 years at standard repayment"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/scholarpulse-degree-roi-analysis-c6e70634/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from scholarpulse-bice.vercel.app](https://www.zero.xyz/host/scholarpulse-bice.vercel.app/llms.txt)