Skip to content

Overview

The Proata API implements one specific calculation: the proration of federal Direct Loan annual limits under §685.203(m)(1) of the RISE NPRM, effective July 1, 2026.

Under the new rule, schools must reduce a student's annual loan limit when the student is enrolled less than full-time, on a graduated scale tied to enrollment intensity. The math is regulation-driven and unforgiving — a per-term rounding decision in the wrong direction is an audit finding. This API gives you a single source of truth.

What the API does

For each student you submit, it returns:

  • Annual basic eligibility — the reduced annual loan limit after proration, for subsidized, unsubsidized, and (for legacy Grad PLUS) Grad PLUS amounts.
  • Per-term distributions in both styles permitted by §685.303: equal (same amount per eligible term) and proportional (weighted by enrolled credits). Pick whichever your institution uses; do not mix them within a single student.
  • Adjustments for enrollment changes mid-period: if a student drops or adds credits after disbursement, the API recalculates the entitlement and computes the carry-forward deduction for subsequent terms.
  • Warnings for less-than-half-time terms, final-term over-disbursements, and other edge cases that need a human eye.

What the API does not do

  • Run a SULA aggregate analysis.
  • Enforce cost-of-attendance ceilings (except legacy Grad PLUS, which uses COA to derive its max).
  • Process parent PLUS or any other PLUS proration. (Parent PLUS is not subject to §685.203(m)(1) proration. Grad/professional PLUS is restricted under RISE to legacy borrowers.)
  • Make professional judgment adjustments.
  • Persist anything. No student data is stored; every request is independent.

Two endpoints

  • POST /v1/calculate — one student at a time, JSON request and response. Best for interactive integrations.
  • POST /v1/calculate/bulk — many students at once, CSV in and CSV out. Best for award-cycle batch runs.

Start with the Quickstart.