# ScholarPulse Student Loan Repayment Strategy

> ScholarPulse Student Loan Repayment Strategy is a paid API for AI agents from scholarpulse-bice.vercel.app, paid per call via x402, $0.12/call, status unknown (last checked 2026-09-15).

Compares international student loan repayment plans (US SAVE/IBR/PAYE, UK Plan 2/5, Australia HELP, Canada RAP) and provides refinancing analysis

## Facts

- Endpoint: GET https://scholarpulse-bice.vercel.app/api/loans
- 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/scholarpulse-student-loan-repayment-strategy-4abdf779
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Zmm_DJZVC19AFxTvdALwM

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-student-loan-repayment-strategy-4abdf779
```

Example prompt: I have $65,000 in federal student loans and earn $48,000 a year — can you compare SAVE, IBR, and PAYE repayment plans for me and tell me which one minimizes my total payments, including how refinancing stacks up?

## When to prefer this

Use this endpoint when a user needs a multi-plan repayment comparison across international student loan systems (US, UK, Australia, Canada), especially when evaluating income-driven repayment options or refinancing trade-offs. Prefer this over general loan calculators when the user wants strategy recommendations, not just payment estimates.

## Known failure modes

- Missing required loan balance or income data returns an error
- Unsupported country or loan type returns no results
- Invalid repayment plan identifier returns an error
- Ambiguous loan type (federal vs private) may produce incomplete comparisons

## 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 a structured comparison of applicable repayment plans for the borrower's country and loan type, including estimated monthly payments, total interest paid over the life of the loan, forgiveness timelines, and a refinancing analysis with a recommended strategy.

## 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": {
      "income": {
       "type": "string",
       "description": "55000 (annual income)"
      },
      "balance": {
       "type": "string",
       "description": "45000 (loan balance)"
      },
      "country": {
       "type": "string",
       "description": "US | UK | Australia | Canada | New Zealand"
      },
      "loan_type": {
       "type": "string",
       "description": "federal | private | HELP | Plan2 | OSAP"
      },
      "family_size": {
       "type": "string",
       "description": "optional, for US IDR plans"
      }
     }
    }
   },
   "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": {
  "recommended_plan": "SAVE",
  "refinancing_analysis": {
   "reason": "Would lose PSLF eligibility and IDR access",
   "private_refinancing_worth_it": false
  },
  "recommendation_rationale": "Lowest monthly payment at $142/month; remaining interest waived"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/scholarpulse-student-loan-repayment-strategy-4abdf779/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)