---
title: "Compute SCRA Rate Cap"
method: POST
path: "/v1/tools/compute_scra_rate_cap"
tags: ["TODO_TAGS_REVIEW", "TODO_AP2_EXPORT_REVIEW"]
---

# Compute SCRA Rate Cap

`POST /v1/tools/compute_scra_rate_cap`

## Request

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

Computes the SCRA 6% interest rate cap per 50 USC §3937 for pre-service loan obligations. Calculates covered months, excess interest, and forgiveness amount. Excess interest is always forgiven (not deferred) per 50 USC §3937(a)(2). Checks servicemember notification requirement. Flags SCRA_RATE_CAP_VIOLATION (original rate > 6%) and SCRA_NOTIFICATION_MISSING. Table: SCRA-50USC3937-2022.

**Tool URL:** https://ainumbers.co/chaingraph/art-232-compute-scra-rate-cap.html

## Request body

- object
  - `covered_months` number
  - `is_pre_service_obligation` boolean, required
  - `loan_balance` number
  - `original_rate_pct` number: Percentage value
  - `servicemember_notified` boolean, required

## Response `200`

Successful tool execution result

- object
  - `capped_rate_pct` integer
  - `covered_months` integer
  - `effective_rate_pct` integer
  - `exceeds_cap` boolean
  - `excess_forgiven` boolean
  - `excess_rate_pct` integer
  - `interest_delta_forgiven` integer
  - `is_pre_service_obligation` boolean
  - `loan_balance` integer
  - `original_rate_pct` integer
  - `pii_note` string
  - `regulatory_basis` string
  - `retroactive_credit` integer
  - `scra_note` string
  - `servicemember_notified` boolean
  - `table_source` string
  - `table_version` string
  - `total_interest_at_cap` integer
  - `total_interest_at_original_rate` integer

---

[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)