# ScholarPulse Loan Forgiveness Guide

> ScholarPulse Loan Forgiveness Guide 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 a comprehensive loan forgiveness guide covering PSLF, TEACH Grant, state programs, and profession-specific forgiveness for nurses, doctors, teachers, lawyers, and military, plus an action plan.

## Facts

- Endpoint: GET https://scholarpulse-bice.vercel.app/api/forgiveness
- 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-loan-forgiveness-guide-8bb745c5
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_D25Ro8YfIah2eNo0093z-

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-loan-forgiveness-guide-8bb745c5
```

Example prompt: I'm a nurse working at a nonprofit hospital and I have federal student loans — can you give me a full breakdown of every loan forgiveness program I might qualify for, including PSLF, any state programs, and profession-specific options, plus an action plan for what I should do next?

## When to prefer this

Use this endpoint when a user needs comprehensive loan forgiveness guidance covering multiple program types (federal, state, profession-specific) in a single call, especially when the user works in public service, healthcare, education, law, or military sectors. Prefer over generic financial advice endpoints when the question is specifically about student loan forgiveness programs and action planning.

## Known failure modes

- No profession or state provided may result in generic rather than targeted guidance
- State programs may be outdated if legislation has changed recently
- Profession not covered by any specific program returns only general federal options
- Network timeout or Vercel cold-start delay on initial request

## 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

A structured guide covering all relevant loan forgiveness programs (PSLF, TEACH Grant, state-level, and profession-specific for nurses, doctors, teachers, lawyers, and military), including eligibility requirements, program amounts, qualifying conditions, and a step-by-step action plan tailored to the user's situation.

## 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": {
      "state": {
       "type": "string",
       "description": "TX | CA | NY (optional, for state programs)"
      },
      "country": {
       "type": "string",
       "description": "optional"
      },
      "loan_type": {
       "type": "string",
       "description": "federal | private (optional)"
      },
      "profession": {
       "type": "string",
       "description": "teacher | nurse | doctor | social-worker | lawyer | military | government-employee"
      },
      "employer_type": {
       "type": "string",
       "description": "public-school | nonprofit | government | private"
      },
      "years_in_service": {
       "type": "string",
       "description": "optional"
      }
     }
    }
   },
   "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": {
  "pslf": {
   "eligible": "yes",
   "critical_steps": [
    "Submit annual PSLF Employment Certification Form",
    "Enroll in IDR plan immediately"
   ],
   "estimated_forgiveness": "$38,400",
   "estimated_forgiveness_year": "2033",
   "remaining_payments_estimate": "84 payments"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/scholarpulse-loan-forgiveness-guide-8bb745c5/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)