ScholarPulse Student Loan Refinancing Intelligence

{
  "type": "json",
  "errors": {
    "400": {
      "example": {
        "error": "invalid request"
      },
      "description": "Invalid or missing parameter(s). Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."
    },
    "402": {
      "description": "Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."
    },
    "500": {
      "example": {
        "error": "upstream_failed"
      },
      "description": "Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."
    }
  },
  "example": {
    "lender_categories": [
      {
        "best_for": "comparison shopping across multiple lenders",
        "category": "rate marketplace"
      }
    ],
    "refi_recommendation": {
      "worth_it": false,
      "rationale": "Federal loan — refinancing would forfeit SAVE/IBR access and PSLF eligibility",
      "benefits_forfeited_if_federal_to_private": [
        "income-driven repayment",
        "PSLF",
        "forbearance"
      ]
    }
  }
}