Real-time student loan borrower sentiment data — 6 weighted signals, AI-classified emotions, historical daily readings. Built for lenders, servicers, hedge funds, and rating agencies.
# Get the live Borrower Sentiment Index curl https://studentloansindex.com/api/index \ -H "Authorization: Bearer lc_live_..." # Response (JSON) { "index_score": 70, "status": "High Anxiety", "as_of": "2026-05-24T15:30:00Z", "signals": { "google_panic": { "score": 68, "weight_tier": "Primary" }, "reddit": { "score": 72, "weight_tier": "Primary" }, "cfpb": { "score": 70, "weight_tier": "Moderate" }, "delinquency": { "score": 76, "weight_tier": "High" } }, "top_theme": "SAVE plan uncertainty" }
Stable schema, JSON responses, REST-compliant. Integrate in under an hour.
Returns the current Loan Clarity Borrower Sentiment Index — composite score (0–100), full signal breakdown, top driving themes, and timestamp.
| No parameters required |
Bearer token in Authorization header. Free tier: 1 check/day.
{
"index_score": 70,
"status": "High Anxiety",
"as_of": "2026-05-24T15:30:00Z",
"signals": {
"google_panic": {
"score": 68,
"weight_tier": "Primary"
},
"reddit": {
"score": 72,
"weight_tier": "Primary",
"posts_analyzed": 25
},
"cfpb": {
"score": 70,
"weight_tier": "Moderate",
"complaints_90d": 8500
},
"delinquency": {
"score": 76,
"weight_tier": "High"
},
"refinance": {
"score": 66,
"weight_tier": "Moderate"
},
"survey": {
"score": 80,
"weight_tier": "High"
}
},
"top_theme": "SAVE plan uncertainty",
"drivers": [
"SAVE plan injunction",
"servicer errors",
"delinquency spike"
]
}
Daily Loan Clarity Index readings. Use this for backtesting against your portfolio data, correlation studies, or building dashboards.
| Name | Type | Default |
|---|---|---|
days | int (1–365) | 90 |
GET /api/history?days=180
{
"days": 90,
"current": 70,
"history": [
{ "date": "2026-02-23",
"score": 64,
"status": "High Anxiety" },
{ "date": "2026-02-24",
"score": 66,
"status": "High Anxiety" },
{ "date": "2026-02-25",
"score": 68,
"status": "High Anxiety" },
// ... 87 more daily readings
{ "date": "2026-05-24",
"score": 70,
"status": "High Anxiety" }
]
}
Submit an institutional access application. Applications are reviewed manually.
If approved, a key formatted as lc_live_* is issued via email within 1–2 business days.
| Field | Type | Req |
|---|---|---|
email | string | yes |
name | string | yes |
company | string | yes |
role | string | yes |
use_case | string | yes |
expected_volume | string | no |
curl -X POST https://studentloansindex.com/api/keys \ -H "Content-Type: application/json" \ -d '{ "email": "analyst@hedgefund.com", "name": "Alex Chen", "company": "Hedgefund LP", "role": "VP, Credit Risk", "use_case": "SLABS portfolio risk modeling" }' # Response { "ok": true, "status": "received", "message": "Application received. Review window: 1–2 days." }
Pass your API key as a Bearer token in the Authorization header on every request.
# cURL curl https://studentloansindex.com/api/index \ -H "Authorization: Bearer lc_live_..." # Python import requests r = requests.get( "https://studentloansindex.com/api/index", headers={"Authorization": f"Bearer {API_KEY}"} ) print(r.json()["index_score"]) # → 70 // JavaScript / Node const r = await fetch("https://studentloansindex.com/api/index", { headers: { Authorization: `Bearer ${API_KEY}` } }); const data = await r.json(); console.log(data.index_score); // → 70
Real-time borrower sentiment, embedded into the systems that already run your business.
Lenders trigger refinance campaigns at high-intent windows — when anxiety peaks and refi demand rises simultaneously.
Servicers detect CFPB complaint trajectory before regulators escalate. Pre-empt with proactive borrower outreach.
Hedge fund structured credit desks use borrower stress signals as leading indicators for prepayment and default clustering.
Think tanks and policy orgs cite real-time index data in publications, congressional testimony, and rate proposals.
Embed the live index in articles. Journalists get a real-time data hook the moment the market moves.
Rating agencies and credit bureaus blend sentiment data into traditional credit factors for better default prediction.
The index is live and free to evaluate. Production usage unlocks history, throughput, white-label embeds, and SLA.
All plans include: live index, 6-signal breakdown, top driving themes, free embeddable widget. Cancel anytime.
Auto-refreshes every 5 minutes. No API key required. Works on WSJ, Bloomberg, Substack, WordPress — anywhere. Pick a size (badge, card, dashboard) and a theme (light or dark), copy the iframe, paste.
The Loan Clarity Borrower Sentiment Index is available to qualified institutional partners — lenders, servicers, hedge funds, rating agencies, policy organizations, and credentialed media.
Applications are reviewed individually. Typical review window: 1–2 business days.