---
title: "학자금대출 상환 (Korean student loan: standard repayment or income-contingent ICL)"
method: GET
path: "/api/v1/student-loan"
---

# 학자금대출 상환 (Korean student loan: standard repayment or income-contingent ICL)

`GET /api/v1/student-loan`

## Request

- Base URL: `https://kwhmate.com`
- URL: `https://kwhmate.com/api/v1/student-loan`
- Auth: none declared

Runs the same calculator as https://gyesanmate.com/student-loan-repayment/. Reference: 출처: 교육부고시 제2026-12호(2026학년도 2학기, 시행 2026.7.1) · 상환율은 최신 공지 확인. Arrays: comma-separated. Also accepts POST with a JSON body.

## Query parameters

- `type` 'general' | 'icl'
- `principal` number
- `rate_percent` number
- `defer_years` integer
- `repay_years` integer
- `gross_salary` number: icl: annual gross salary
- `degree` 'undergrad' | 'grad'

## Response `200`

Result with source and page URL

- Result
  - `ok` boolean
  - `calculator` string
  - `title` string
  - `currency` string, nullable
  - `input` object
  - `result` object
  - `estimate` boolean
  - `reference` string: Reference date and official source
  - `page` string, uri
  - `disclaimer` string

## Other responses

- `400`: Invalid input
- `429`: Rate limited (60 requests per minute)

---

[API](https://skmtc.dev/kwhmate/apis/kwhmate-korea-survival-kit-calculators-api.md) · [All operations](https://skmtc.dev/kwhmate/apis/kwhmate-korea-survival-kit-calculators-api/llms.txt) · [OpenAPI document](https://skmtc.dev/kwhmate/apis/kwhmate-korea-survival-kit-calculators-api/revisions/90207915728b?raw)