{"name":"SDN Student Loan Calculator AI Interface","description":"Machine-readable contract for estimating student loan repayment across SDN health profession pathways.","api_version":"2026-07-29","status":"stable","canonical_url":"https:\/\/www.studentdoctor.net\/schools-database\/student-loan-calculator","documentation_url":"https:\/\/www.studentdoctor.net\/schools-database\/student-loan-calculator\/ai","discovery_url":"https:\/\/www.studentdoctor.net\/schools-database\/student-loan-calculator\/ai.json","openapi_url":"https:\/\/www.studentdoctor.net\/schools-database\/student-loan-calculator\/openapi.json","endpoints":[{"method":"POST","url":"https:\/\/www.studentdoctor.net\/schools-database\/student-loan-calculator\/quote","purpose":"Calculate a loan repayment estimate and return a normalized import payload."},{"method":"POST","url":"https:\/\/www.studentdoctor.net\/schools-database\/student-loan-calculator\/save","purpose":"Authenticated UI save endpoint. Public AI agents should not call this without user authentication."}],"accepted_inputs":{"profession_slug":"A slug from the profession catalog. Defaults to medical-school-student-loan-calculator.","specialty_slug":"Optional profession-specific specialty slug. When supplied, the specialty salary default is used unless average_salary is also supplied.","school_id":"Optional SDN Schools Database school id. When supplied, tuition, optional living-cost borrowing, and training deferment are used to estimate debt at repayment start.","tuition_status":"Optional tuition basis for selected school: in_state or out_state.","annual_tuition":"Optional annual tuition override in dollars. Defaults from the selected school and tuition basis.","school_start_year":"Optional academic start year. School borrowing begins July 1 of this year.","school_years":"Optional years in school used for tuition and living-cost projection.","annual_living_cost":"Optional annual local living-cost estimate in dollars.","include_living_costs":"Optional boolean. When true, living expenses are included in school-year borrowing; when false, living expenses are treated as self-funded.","postgraduate_training_years":"Optional PGY\/internship\/residency\/fellowship years before full attending repayment starts.","training_loan_treatment":"Optional handling during post-graduate training: defer, interest_only, idr, or fixed_payment.","training_salary":"Optional resident\/fellow annual salary used for IDR-style training payments.","training_idr_percent":"Optional percent of discretionary income for the IDR-style training payment. Defaults to 10.","training_family_size":"Optional family size for the 2026 HHS poverty-guideline estimate used by IDR-style training payments.","training_fixed_monthly_payment":"Optional custom monthly payment during post-graduate training.","start_date":"Optional repayment start month. Accepts YYYY-MM or readable month strings.","financing_model_version":"Use 2026-07-29 for the current source-allocation model. Omitted or legacy payloads retain the earlier one-rate calculation.","undergraduate_federal_debt":"Current undergraduate federal loan balance in dollars.","graduate_federal_debt":"Current graduate\/professional federal loan balance in dollars.","other_education_debt":"Current private or other education debt in dollars.","federal_graduate_aggregate_usage":"Optional advanced override for the amount counted toward the new graduate\/professional aggregate limit. Defaults to graduate_federal_debt.","federal_lifetime_borrowed":"Optional advanced override for lifetime Title IV borrowing counted toward the $257,500 limit. Defaults to the entered federal balances.","legacy_sub_unsub_aggregate_usage":"Optional advanced override for the subsidized\/unsubsidized amount counted toward the legacy aggregate limit.","federal_program_classification":"graduate or professional. This user-confirmed FSA classification controls the annual and aggregate limits.","cip_code":"Optional six-digit CIP code in NN.NNNN format for audit context. The calculator does not infer classification from a local CIP mapping.","grandfathered_status":"yes, no, or not_sure. not_sure uses the new limits until eligibility is confirmed.","grandfathered_years":"Required when grandfathered_status is yes; 1 through 3 and capped by remaining modeled school years.","private_loan_rate":"Editable fixed private-loan planning rate. Defaults to 10 percent.","private_loan_term_years":"Editable illustrative private-loan term. Defaults to 10 years; the aggregate payoff projection still uses repayment_term_years.","private_origination_fee_percent":"Editable private-loan origination fee assumption. Defaults to zero.","average_debt":"Legacy existing-debt input in dollars. Current-version payloads should use the three categorized debt fields.","existing_debt_treatment":"Optional handling for existing debt before repayment begins: defer, interest_only, or continue_payment.","existing_debt_rate":"Optional annual percentage rate for existing debt. Defaults to the current reviewed federal rate metadata.","existing_debt_monthly_payment":"Optional monthly amount paid toward existing debt before repayment begins when existing_debt_treatment is continue_payment.","average_salary":"Optional pre-tax annual salary in dollars.","loan_rate":"Optional annual percentage rate. Defaults to current reviewed federal rate metadata.","payment_percent":"Percent of monthly after-tax salary used by income-sensitive scenarios, 1 through 100.","repayment_term_years":"Optional standard fixed repayment term in years, 1 through 30. Defaults to 10.","repayment_plan":"flat for a standard fixed amortized payment over the selected term, or income_sensitive for payments that ramp over time with salary growth.","salary_growth_percent":"Annual salary growth assumption used by income_sensitive repayment.","loan_program_key":"Optional scholarship or loan repayment program key from loan_programs. none means no program is modeled.","loan_program_annual_award":"Optional annual scholarship or repayment amount in dollars. HPSP-style scholarships reduce school tuition borrowing; repayment programs add payments during service years.","loan_program_years":"Optional number of years the selected program is expected to support or repay loans.","loan_program_start_offset_years":"Optional delay after repayment begins before a repayment program contribution starts.","loan_program_school_years":"Optional number of school years covered by a scholarship-style program.","adjust_for_inflation":"Optional boolean. When true, summary display fields can use inflation-adjusted present-dollar estimates.","inflation_rate":"Optional annual inflation rate used for inflation-adjusted summary totals. Defaults to 2 percent, aligned to the Federal Reserve longer-run inflation objective."},"output_contract":{"inputs":"Normalized calculator inputs.","summary":"Monthly payment, payoff month, total interest, total paid, and validation messages.","financing":"Versioned federal\/private source allocation, FSA classification, limits, fees, assumptions, annual rows, and totals when the current financing model is selected.","chart.rows":"Monthly amortization rows for visualizations.","import_payload":"Safe payload for an authenticated UI save flow."},"citation":{"suggested_citation":"Student Doctor Network Student Loan Calculator, 2026, https:\/\/www.studentdoctor.net\/schools-database\/student-loan-calculator","canonical_url":"https:\/\/www.studentdoctor.net\/schools-database\/student-loan-calculator"},"caveats":["Estimates are planning aids and not financial advice.","The calculator assumes a fixed monthly payment based on a selected percent of after-tax salary.","Federal\/private payoff is an aggregate estimate using a principal-weighted rate; it does not reproduce lender-specific servicing behavior.","Profession debt and salary defaults should be confirmed against current school and labor-market data.","Specialty salary data should be treated as planning guidance and attributed to its listed source."]}