13trust / 100

Refi

by ScholarPulse in Markets & finance

x402 APIFailing, checked 4 h ago

Student loan refinancing intelligence for student and financial-aid agents. Global coverage (US, UK, Canada, Australia, Germany, India): current private refi market rates by credit tier, an honest worth-it verdict, lender categories, and country-specific tradeoffs — including federal-to-private benefit forfeiture (income-driven repayment, PSLF, forbearance) where it applies.

GET
https://scholarpulse.theaslangroupllc.com/api/refi
Price
$0.15
per call in USDC
Uptime
0.0%
last 30 days
Response time
-
no timed checks yet
Last check
Failed
4 h ago, next any minute now

Run a free test callHow to call it

Reliability

All checks passedSome failedAll failedNot checked

Latest check failed 4 h ago: Amount "0.15" is not in atomic token units

Status and outage history · Atom feed · Watch with other listings

How to call it

GET https://scholarpulse.theaslangroupllc.com/api/refi

Each call costs $0.15 in USDC on Polygon, paid with the request over x402.

Run a free test callOne unpaid request, the way an agent sends it. You see the payment challenge it gets back. Nothing is charged.

Example request

From the listing.

GET https://scholarpulse.theaslangroupllc.com/api/refi?country=US&credit_tier=good&loan_type=federal

Parameters

ParameterTypeRequiredDescription
balancestringNo35000 (current loan balance)
countrystringNoUS | UK | CA | AU | DE | IN (default: US)
credit_tierstringNoexcellent | good | fair | poor (default: good)
current_ratestringNo6.8 (current interest rate, percent)
langstringNoen | es | fr | de | pt (optional, response language)
loan_typestringNofederal | private (default: federal)

Example response

The provider's example. We can't check it without paying.

{
  "lender_categories": [
    {
      "best_for": "comparison shopping across multiple lenders",
      "category": "rate marketplace"
    }
  ],
  "refi_recommendation": {
    "benefits_forfeited_if_federal_to_private": [
      "income-driven repayment",
      "PSLF",
      "forbearance"
    ],
    "rationale": "Federal loan — refinancing would forfeit SAVE/IBR access and PSLF eligibility",
    "worth_it": false
  }
}

Call it from code

The curl command shows the payment challenge. The JavaScript and Python versions pay and call, and never pay more than $0.15.

curl: see the payment challenge
# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i 'https://scholarpulse.theaslangroupllc.com/api/refi?country=US&credit_tier=good&loan_type=federal'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - 'https://scholarpulse.theaslangroupllc.com/api/refi?country=US&credit_tier=good&loan_type=federal' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode
JavaScript: pay and call
// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.15 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.15" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.15 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fscholarpulse.theaslangroupllc.com%2Fapi%2Frefi
const res = await pay("https://scholarpulse.theaslangroupllc.com/api/refi?country=US&credit_tier=good&loan_type=federal");
console.log(res.status, await res.text());
Python: pay and call
# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.15 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.15"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.get("https://scholarpulse.theaslangroupllc.com/api/refi?country=US&credit_tier=good&loan_type=federal")
    print(res.status_code, res.text)

Security scan

No findings

We scan names, descriptions and tool definitions for hidden instructions and other prompt-injection patterns.

Recent checks

WhenResultHTTPTimePrice
4 h agoAmount "0.15" is not in atomic token units402265 ms$0.15
10 h agoAmount "0.15" is not in atomic token units402215 ms$0.15
15 h agoAmount "0.15" is not in atomic token units402259 ms$0.15
21 h agoAmount "0.15" is not in atomic token units402221 ms$0.15
27 h agoAmount "0.15" is not in atomic token units402177 ms$0.15
Show 7 older checks
33 h agoAmount "0.15" is not in atomic token units402225 ms$0.15
38 h agoAmount "0.15" is not in atomic token units402232 ms$0.15
43 h agoAmount "0.15" is not in atomic token units402199 ms$0.15
2 days agoAmount "0.15" is not in atomic token units402207 ms$0.15
2 days agoAmount "0.15" is not in atomic token units402180 ms$0.15
2 days agoAmount "0.15" is not in atomic token units402199 ms$0.15
3 days agoAmount "0.15" is not in atomic token units402163 ms$0.15