---
title: "Private Student Loan Disclosure & Rescission Checker"
method: POST
path: "/v1/tools/check_private_student_loan_disclosures"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Private Student Loan Disclosure & Rescission Checker

`POST /v1/tools/check_private_student_loan_disclosures`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/check_private_student_loan_disclosures`
- Auth: none declared

Checks a private-education-loan disclosure-element checklist across the three 12 CFR 1026.46-48 stages (application/solicitation, approval, final), the HEOA self-certification-form presence requirement, and computes the 3-business-day right-to-cancel window from a declared final-disclosure date (skipping weekends and any declared holiday dates). Federal Income-Driven Repayment (IDR) calculations are explicitly out of scope v1 -- flagged as a future rider trigger, not built, because those formulas churn on a policy cycle distinct from the stable 1026.46-48 requirements checked here.

**Tool URL:** https://ainumbers.co/chaingraph/art-405-check-private-student-loan-disclosures.html

## Request body

- object
  - `inputs` unknown

## Response `200`

Successful tool execution result

- object
  - `application_stage` object
    - `element_status` object
      - `cosigner-rights-disclosure` string
      - `estimated-total-cost` string
      - `fees-and-default-charges` string
      - `interest-rate-or-range` string
      - `repayment-terms` string
    - `gaps` unknown[]
      - unknown
  - `approval_stage` object
    - `element_status` object
      - `confirmed-fees` string
      - `confirmed-interest-rate` string
      - `confirmed-repayment-terms` string
      - `rate-lock-period-disclosure` string
      - `right-to-accept-30-days-disclosure` string
    - `gaps` unknown[]
      - unknown
  - `completeness_grade` string
  - `compliant` boolean
  - `disambiguation` string
  - `elements_checked` integer
  - `federal_idr_note` string
  - `federal_idr_out_of_scope` boolean
  - `final_stage` object
    - `element_status` object
      - `final-fees` string
      - `final-interest-rate` string
      - `final-repayment-schedule` string
      - `right-to-cancel-3-day-disclosure` string
    - `gaps` unknown[]
      - unknown
  - `gap_count` integer
  - `regulatory_basis` string
  - `rescission` object
    - `earliest_permitted_disbursement_date` string
    - `final_disclosure_date` string
    - `note` string
    - `third_business_day` string
  - `self_certification_present` boolean
  - `table_source` string
  - `table_version` string

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)