Embed schedule-of-reductions calculations in your platform

A REST API that returns the same loan-limit calculations your office runs on loanlimit.app, built for SIS and financial aid platforms.

What it does

Send an enrollment profile. Get back the correct loan limits.

The same calculation engine behind loanlimit.app, available as a REST endpoint.

One request, one answer

POST a student's enrollment details (credit hours, enrollment periods, dependency status) and receive the adjusted annual and aggregate loan limits. JSON in, JSON out.

Current with the regulation

The API reflects the schedule of reductions at 34 C.F.R. §685.203(m). When the regulation changes, Desata updates the engine. Your integration stays correct without a code change on your end.

No student data retained

Calculation inputs are processed in memory and discarded. Desata does not store, log, or retain any student-level data that passes through the API.

Why integrate

Stop running calculations one student at a time.

If your office is using the calculator for more than a handful of students, the API does the same work at the scale your SIS already operates at.

Batch processing

Run hundreds of calculations in a single request cycle. Award letters, packaging engines, and enrollment audits can pull correct loan limits without manual entry.

One integration to maintain

Desata maintains the regulatory logic. When sub-regulatory guidance changes the calculation, the API reflects it. Your team builds the integration once.

Example

One request, one answer.

Request
POST /v1/calculate

{
  "dependency_status": "dependent",
  "academic_year": "2026-2027",
  "grade_level": "sophomore",
  "enrollment_periods": [
    { "credits_enrolled": 9, "full_time_credits": 12 },
    { "credits_enrolled": 12, "full_time_credits": 12 }
  ]
}
Response
200 OK

{
  "annual_limit_subsidized": 3500,
  "annual_limit_unsubsidized": 2000,
  "annual_limit_total": 5500,
  "aggregate_limit_subsidized": 23000,
  "aggregate_limit_unsubsidized": 31000,
  "reduction_applied": true,
  "periods": [...]
}

Sample request and response. Final schema may vary.

Pricing

Simple, flat-rate pricing.

Annual

$159/mo
Billed annually at $1,908/year
Save $480/year vs. monthly

Monthly

$199/mo
Billed monthly