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Proata API

The Proata API calculates prorated federal student loan limits under RISE NPRM §685.203(m)(1), effective July 1, 2026.

If you process federal aid disbursements and need to compute the correct per-term amounts when a student is enrolled less than full-time, this API gives you a deterministic answer that matches the regulation.

First call in two minutes

curl -X POST https://loanlimit.app/v1/calculate \
  -H 'content-type: application/json' \
  -d '{
    "dependency_status": "dependent",
    "degree_level": "undergraduate",
    "grade_level": "first_year",
    "subsidized_amount": 0,
    "plus_denied": false,
    "is_legacy_borrower": false,
    "terms": [
      {"label": "Fall", "full_time_credits": 12, "credits_enrolled": 12},
      {"label": "Spring", "full_time_credits": 12, "credits_enrolled": 9}
    ]
  }'

You'll get back a per-term breakdown with both equal and proportional distribution amounts. See the Quickstart for a full walkthrough.

What's in here

  • Getting Started — what the API does, your first call, the authentication roadmap.
  • Guides — full walkthroughs for the bulk CSV and single-student endpoints, plus error-handling advice.
  • Reference — generated OpenAPI reference, bulk CSV schema, full error code table.
  • Stability — what we commit to keep stable within /v1/, our deprecation policy, change history.

Need help?

The API is currently open to all customers we've onboarded — no authentication required. For access requests or integration questions, email [email protected].