Documentation

Understand how Talovex optimizes student loan repayment plans, or integrate our optimization engine into your own application via the REST API.

Quickstart

Enter your loan details and get an optimized plan ranking in under 5 minutes.

How we compute net present value across Standard, Extended, Graduated, IBR, PAYE, and RAP plans.

1,000+ income growth scenarios using BLS occupational wage data for confidence intervals on repayment cost.

Model 120 qualifying payments under each IDR plan and find your PSLF breakeven point.

IDR forgiveness after 20-25 years creates taxable income. We compute the present value of that tax liability.

MFJ vs. MFS filing impact on IDR payments with combined household modeling.

POST/v1/calculateRun plan optimization for a borrower profile

GET/v1/plansGet current federal repayment plan parameters

GET/v1/poverty-guidelinesGet current HHS poverty guidelines

POST/v1/pslf-checkCheck employer PSLF eligibility

POST/v1/signupCreate account and get API key

POST/v1/loginAuthenticate and get session

POST/v1/checkoutCreate Stripe checkout session

All API requests require an API key passed via the X-API-Key header.

curl https://talovex-api.smarttechinvest.com/v1/plans \
  -H "X-API-Key: tlv_your_api_key_here"