{"id":10013,"date":"2026-09-19T22:34:38","date_gmt":"2026-09-19T22:34:38","guid":{"rendered":"https:\/\/juanburgoslaw.com\/pt-br\/calculadora-emprestimo-estudantil\/"},"modified":"2026-09-19T22:37:40","modified_gmt":"2026-09-19T22:37:40","slug":"calculadora-emprestimo-estudantil","status":"publish","type":"page","link":"https:\/\/juanburgoslaw.com\/pt-br\/calculadora-emprestimo-estudantil\/","title":{"rendered":"Calculadora de Empr\u00e9stimo Estudantil e Fal\u00eancia"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section preset--group--divi-section--divi-layout--default preset--group--divi-section--divi-sizing--default preset--group--divi-section--divi-spacing--default preset--group--divi-section--divi-spacing--hqsxvlk--default preset--group--divi-section--divi-spacing--hk1jct3--default preset--group--divi-section--divi-spacing--hda4u0m--default preset--group--divi-section--divi-layout--hp3jn2g--default preset--group--divi-section--divi-sizing--hsj9uxo--default preset--group--divi-section--divi-spacing--hz5ljtx--default\"><div class=\"et_pb_row_0 et_pb_row et_block_row preset--group--divi-row--divi-layout--default preset--group--divi-row--divi-spacing--default preset--group--divi-row--divi-layout--hp3jn2g--default preset--group--divi-row--divi-sizing--h1k452m--default\"><div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough preset--group--divi-column--divi-layout--default preset--group--divi-column--divi-spacing--default preset--group--divi-column--divi-sizing--default preset--group--divi-column--divi-sizing--hsj9uxo--default\"><div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--group--divi-text--divi-layout--default preset--group--divi-text--divi-sizing--default preset--group--divi-text--divi-spacing--default\"><div class=\"et_pb_text_inner\"><p><strong><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Inicio<\/span><\/p><\/nav><\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section preset--group--divi-section--divi-layout--default preset--group--divi-section--divi-sizing--default preset--group--divi-section--divi-spacing--default preset--group--divi-section--divi-spacing--hqsxvlk--default preset--group--divi-section--divi-spacing--hk1jct3--default preset--group--divi-section--divi-spacing--hda4u0m--default preset--group--divi-section--divi-layout--hp3jn2g--default preset--group--divi-section--divi-sizing--hsj9uxo--default preset--group--divi-section--divi-spacing--hz5ljtx--default\"><div class=\"et_pb_row_1 et_pb_row et_flex_row preset--group--divi-row--divi-layout--default preset--group--divi-row--divi-spacing--default preset--group--divi-row--divi-layout--hp3jn2g--default preset--group--divi-row--divi-sizing--h1k452m--default\"><div class=\"et_pb_column_1 et_pb_column et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone preset--group--divi-column--divi-layout--default preset--group--divi-column--divi-spacing--default preset--group--divi-column--divi-sizing--default preset--group--divi-column--divi-sizing--hsj9uxo--default\"><div class=\"et_pb_code_0 et_pb_code et_pb_module preset--group--divi-code--divi-sizing--default preset--group--divi-code--divi-spacing--default\"><div class=\"et_pb_code_inner\"><!--noptimize-->\n<!--\n  Calculadora de Emprestimo Estudantil e Falencia (PT-BR) - Divi 5 Code Module\n  Juan Burgos Law | Adaptacao nativa em portugues brasileiro do WS-J\n  Student Loan Discharge Screener (EN), seguindo o mesmo padrao ja usado na\n  versao ES (calculadora-prestamos-estudiantiles.html).\n-->\n<div class=\"jbsl\" id=\"jbsl-root\">\n\n  <style>\n    .bfl { display: none; 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position: relative; -webkit-user-select: none; user-select: none; }\n    .jbsl-disclosure-title::-webkit-details-marker { display: none; }\n    .jbsl-disclosure-title::after { content: \"+\"; position: absolute; right: 14px; top: 50%; transform: translateY(-50%); font-size: 19px; font-weight: 700; color: var(--jbsl-primary); line-height: 1; }\n    .jbsl-disclosure[open] > .jbsl-disclosure-title::after { content: \"\\2212\"; }\n    .jbsl-disclosure-title:hover { background: var(--jbsl-info-bg); }\n    .jbsl-disclosure-title:focus-visible { outline: 3px solid var(--jbsl-focus); outline-offset: 2px; }\n    .jbsl-disclosure-body { padding: 2px 14px 14px; }\n\n    .jbsl-visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; }\n  <\/style>\n\n  <div class=\"jbsl-card\" id=\"jbsl-wizard-card\">\n    <p class=\"jbsl-eyebrow\">Gratuito &amp; Confidencial<\/p>\n    <h2 class=\"jbsl-h1\">Calculadora de Empr\u00e9stimo Estudantil e Fal\u00eancia<\/h2>\n    <p class=\"jbsl-sub\">Responda cinco perguntas r\u00e1pidas para ver se sua situa\u00e7\u00e3o mostra sinais que podem sustentar a elimina\u00e7\u00e3o do seu empr\u00e9stimo estudantil pela fal\u00eancia. Esta \u00e9 uma ferramenta educativa, n\u00e3o uma decis\u00e3o jur\u00eddica \u2014 veja seu pr\u00f3ximo passo personalizado ao final.<\/p>\n\n    <div class=\"jbsl-skip-cta\">\n      <button type=\"button\" class=\"jbsl-skip-btn\" id=\"jbsl-skip-btn\">\n        <span>Prefere pular as perguntas e s\u00f3 nos enviar seu nome e contato?<\/span>\n        <span class=\"jbsl-skip-arrow\" aria-hidden=\"true\">&darr;<\/span>\n      <\/button>\n    <\/div>\n\n    <div class=\"jbsl-progress-wrap\">\n      <div class=\"jbsl-progress-label\">\n        <span id=\"jbsl-progress-text\">Passo 1 de 5 &middot; Sua situa\u00e7\u00e3o na fal\u00eancia<\/span>\n        <span id=\"jbsl-progress-pct\" aria-hidden=\"true\">20%<\/span>\n      <\/div>\n      <div class=\"jbsl-progress-track\" role=\"progressbar\" id=\"jbsl-progressbar\" aria-valuemin=\"0\" aria-valuemax=\"100\" aria-valuenow=\"20\" aria-label=\"Progresso da calculadora\">\n        <div class=\"jbsl-progress-fill\" id=\"jbsl-progress-fill\" style=\"width:20%;\"><\/div>\n      <\/div>\n    <\/div>\n\n    <form id=\"jbsl-form\" novalidate>\n\n      <div class=\"jbsl-step jbsl-active\" data-step=\"1\" tabindex=\"-1\">\n        <p class=\"jbsl-q\">Em que ponto do processo de fal\u00eancia voc\u00ea est\u00e1?<\/p>\n        <p class=\"jbsl-q-hint\">A elimina\u00e7\u00e3o do empr\u00e9stimo estudantil s\u00f3 acontece dentro de um caso de Chapter 7 (Cap\u00edtulo 7) ou Chapter 13 (Cap\u00edtulo 13).<\/p>\n        <div class=\"jbsl-options\" data-group=\"filing\" data-type=\"radio\">\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"filing\" value=\"filed\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">J\u00e1 entrei com meu Chapter 7 ou Chapter 13<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"filing\" value=\"planning\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Estou planejando entrar, mas ainda n\u00e3o entrei<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"filing\" value=\"unsure\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">N\u00e3o tenho certeza \u2014 s\u00f3 estou pesquisando minhas op\u00e7\u00f5es<\/span><\/span>\n          <\/label>\n        <\/div>\n        <p class=\"jbsl-error\" data-error-for=\"1\">Por favor, escolha uma op\u00e7\u00e3o para continuar.<\/p>\n      <\/div>\n\n      <div class=\"jbsl-step\" data-step=\"2\" tabindex=\"-1\">\n        <p class=\"jbsl-q\">Que tipo de empr\u00e9stimo estudantil voc\u00ea tem?<\/p>\n        <p class=\"jbsl-q-hint\">Isso muda qual processo judicial se aplica ao seu empr\u00e9stimo.<\/p>\n        <div class=\"jbsl-options\" data-group=\"loanType\" data-type=\"radio\">\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"loanType\" value=\"federal\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Empr\u00e9stimos federais (Direct, FFEL ou Perkins) administrados pelo Departamento de Educa\u00e7\u00e3o<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"loanType\" value=\"private\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Empr\u00e9stimos privados (banco, cooperativa de cr\u00e9dito ou credor privado)<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"loanType\" value=\"both\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Os dois: federais e privados<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"loanType\" value=\"unsure\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">N\u00e3o tenho certeza \u2014 precisaria de ajuda para descobrir<\/span><\/span>\n          <\/label>\n        <\/div>\n        <p class=\"jbsl-error\" data-error-for=\"2\">Por favor, escolha uma op\u00e7\u00e3o para continuar.<\/p>\n      <\/div>\n\n      <div class=\"jbsl-step\" data-step=\"3\" tabindex=\"-1\">\n        <p class=\"jbsl-q\">Se voc\u00ea tivesse que pagar o valor integral do seu empr\u00e9stimo estudantil a partir de hoje, o que aconteceria?<\/p>\n        <p class=\"jbsl-q-hint\">Pense em moradia, alimenta\u00e7\u00e3o, contas de casa, transporte e despesas m\u00e9dicas.<\/p>\n        <div class=\"jbsl-options\" data-group=\"livingStandard\" data-type=\"radio\">\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"livingStandard\" value=\"2\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Eu n\u00e3o conseguiria cobrir minhas despesas b\u00e1sicas de vida<\/span><span class=\"jbsl-option-sub\">Aluguel\/financiamento da casa, comida ou contas ficariam sem pagar<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"livingStandard\" value=\"1\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Eu conseguiria pagar, mas s\u00f3 sacrificando outras necessidades essenciais<\/span><span class=\"jbsl-option-sub\">Deixar de ir ao m\u00e9dico, atrasar contas, entrar em mais d\u00edvida<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"radio\">\n            <input type=\"radio\" name=\"livingStandard\" value=\"0\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Eu conseguiria administrar os pagamentos sem grande dificuldade<\/span><\/span>\n          <\/label>\n        <\/div>\n        <p class=\"jbsl-error\" data-error-for=\"3\">Por favor, escolha uma op\u00e7\u00e3o para continuar.<\/p>\n      <\/div>\n\n      <div class=\"jbsl-step\" data-step=\"4\" tabindex=\"-1\">\n        <p class=\"jbsl-q\">Alguma dessas situa\u00e7\u00f5es descreve a sua? <span style=\"font-weight:400;\">(selecione todas que se aplicam)<\/span><\/p>\n        <p class=\"jbsl-q-hint\">Isso ajuda a mostrar se sua dificuldade financeira tende a continuar.<\/p>\n        <div class=\"jbsl-options\" data-group=\"persistence\" data-type=\"checkbox\">\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"persistence\" value=\"disability\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Uma defici\u00eancia ou doen\u00e7a cr\u00f4nica limita minha renda<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"persistence\" value=\"dependent-care\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Eu cuido de um dependente com necessidades significativas<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"persistence\" value=\"age\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Estou perto da idade de aposentadoria, com poucos anos de trabalho restantes<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"persistence\" value=\"income-ceiling\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Minha \u00e1rea profissional tem um teto de renda baixo, sem uma forma realista de ganhar muito mais<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"persistence\" value=\"job-loss\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Estou desempregado(a) ou subempregado(a) h\u00e1 6 meses ou mais<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"persistence\" value=\"none\" data-exclusive=\"true\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Nenhuma dessas se aplica a mim<\/span><\/span>\n          <\/label>\n        <\/div>\n        <p class=\"jbsl-error\" data-error-for=\"4\">Por favor, escolha pelo menos uma op\u00e7\u00e3o para continuar.<\/p>\n      <\/div>\n\n      <div class=\"jbsl-step\" data-step=\"5\" tabindex=\"-1\">\n        <p class=\"jbsl-q\">O que descreve seu hist\u00f3rico com esses empr\u00e9stimos? <span style=\"font-weight:400;\">(selecione todas que se aplicam)<\/span><\/p>\n        <p class=\"jbsl-q-hint\">As cortes avaliam seu esfor\u00e7o geral de boa-f\u00e9, n\u00e3o s\u00f3 se voc\u00ea evitou o default.<\/p>\n        <div class=\"jbsl-options\" data-group=\"goodFaith\" data-type=\"checkbox\">\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"goodFaith\" value=\"paid-when-able\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Fiz pagamentos quando consegui pagar<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"goodFaith\" value=\"tried-idr\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">J\u00e1 tentei planos de pagamento baseados em renda (income-driven repayment), deferment ou forbearance<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"goodFaith\" value=\"contacted-servicer\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">J\u00e1 entrei em contato com a administradora do meu empr\u00e9stimo sobre minhas op\u00e7\u00f5es<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"goodFaith\" value=\"in-default\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">Meu empr\u00e9stimo est\u00e1 atualmente em default<\/span><\/span>\n          <\/label>\n          <label class=\"jbsl-option\" data-type=\"checkbox\">\n            <input type=\"checkbox\" name=\"goodFaith\" value=\"never-attempted\" data-exclusive=\"true\">\n            <span class=\"jbsl-mark\"><\/span>\n            <span><span class=\"jbsl-option-label\">N\u00e3o fiz nenhum pagamento nem tentei nada do que foi listado acima<\/span><\/span>\n          <\/label>\n        <\/div>\n        <p class=\"jbsl-error\" data-error-for=\"5\">Por favor, escolha pelo menos uma op\u00e7\u00e3o para continuar.<\/p>\n      <\/div>\n\n      <div class=\"jbsl-nav\">\n        <button type=\"button\" class=\"jbsl-btn jbsl-btn-secondary\" id=\"jbsl-back\" style=\"display:none;\">Voltar<\/button>\n        <button type=\"button\" class=\"jbsl-btn jbsl-btn-primary\" id=\"jbsl-next\">Continuar<\/button>\n      <\/div>\n    <\/form>\n  <\/div>\n\n  <div class=\"jbsl-card\" id=\"jbsl-results\" aria-live=\"polite\">\n    <p class=\"jbsl-eyebrow\">Seus Resultados<\/p>\n    <div id=\"jbsl-tier-block\"><\/div>\n    <div id=\"jbsl-context-notice\"><\/div>\n\n    <div class=\"jbsl-convert\">\n      <div class=\"jbsl-call-card\">\n        <p class=\"jbsl-call-title\">Fale com um Advogado Agora<\/p>\n        <a href=\"tel:+14075054190\" class=\"jbsl-call-btn\" id=\"jbsl-call-btn\">\u260e&nbsp; (407) 505-4190<\/a>\n        <p class=\"jbsl-call-note\">Consulta gratuita e confidencial &middot; Falamos portugu&ecirc;s<\/p>\n      <\/div>\n      <p class=\"jbsl-form-pointer\">Prefere que a gente ligue para voc\u00ea? Preencha o formul\u00e1rio curto abaixo &mdash; j\u00e1 adicionamos um resumo das suas respostas nele.<\/p>\n    <\/div>\n\n    <p class=\"jbsl-disclaimer\">Esta calculadora oferece uma estimativa educativa baseada nas suas respostas. N\u00e3o \u00e9 aconselhamento jur\u00eddico e n\u00e3o determina a elegibilidade para uma elimina\u00e7\u00e3o de empr\u00e9stimo estudantil \u2014 isso s\u00f3 pode ser determinado pela revis\u00e3o de um advogado de fal\u00eancias e pelo Tribunal de Fal\u00eancias. Os resultados n\u00e3o garantem nenhum resultado espec\u00edfico.<\/p>\n\n    <button type=\"button\" class=\"jbsl-restart\" id=\"jbsl-restart\">Recome\u00e7ar<\/button>\n  <\/div>\n\n  <span class=\"jbsl-visually-hidden\" id=\"jbsl-live-region\" aria-live=\"polite\"><\/span>\n\n  <div class=\"jbsl-card jbsl-static\">\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">O Teste de Tr\u00eas Fatores de Dificuldade Excessiva (Fl\u00f3rida e o D\u00e9cimo Primeiro Circuito)<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <table class=\"jbsl-ref-table\">\n          <tr><th>Fator<\/th><th>O que a corte avalia<\/th><\/tr>\n          <tr><td>Padr\u00e3o M\u00ednimo de Vida<\/td><td>Se pagar o empr\u00e9stimo, considerando sua renda atual e despesas razo\u00e1veis, impediria voc\u00ea e seus dependentes de cobrir necessidades b\u00e1sicas.<\/td><\/tr>\n          <tr><td>Persist\u00eancia da Dificuldade<\/td><td>Se as circunst\u00e2ncias mostram que sua incapacidade de pagar deve continuar por boa parte do per\u00edodo de pagamento, n\u00e3o s\u00f3 hoje.<\/td><\/tr>\n          <tr><td>Esfor\u00e7o de Boa-F\u00e9<\/td><td>Se voc\u00ea fez um esfor\u00e7o gen\u00fauino para lidar com o empr\u00e9stimo &mdash; isso pode incluir pagamentos parciais, planos baseados em renda (income-driven repayment), deferment ou forbearance, n\u00e3o s\u00f3 o pagamento integral em dia.<\/td><\/tr>\n        <\/table>\n      <\/div>\n    <\/details>\n\n    <h3>Perguntas Frequentes<\/h3>\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">O empr\u00e9stimo estudantil realmente pode ser eliminado na fal\u00eancia?<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <p class=\"jbsl-faq-a\">Sim, mas n\u00e3o automaticamente. Sob a se\u00e7\u00e3o 523(a)(8) do C\u00f3digo de Fal\u00eancias dos EUA, o devedor precisa provar que pagar criaria uma \"dificuldade excessiva\", abrindo um adversary proceeding separado dentro de um caso de Chapter 7 ou Chapter 13.<\/p>\n      <\/div>\n    <\/details>\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">Preciso declarar fal\u00eancia primeiro?<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <p class=\"jbsl-faq-a\">Sim. A elimina\u00e7\u00e3o do empr\u00e9stimo estudantil n\u00e3o \u00e9 um processo isolado &mdash; ela s\u00f3 acontece dentro de um caso de Chapter 7 ou Chapter 13 j\u00e1 aberto ou apresentado junto.<\/p>\n      <\/div>\n    <\/details>\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">O que \u00e9 um adversary proceeding?<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <p class=\"jbsl-faq-a\">\u00c9 uma a\u00e7\u00e3o judicial apresentada dentro do seu caso de fal\u00eancia, pedindo \u00e0 corte que decida que seu empr\u00e9stimo estudantil atende ao padr\u00e3o de dificuldade excessiva e deve ser eliminado.<\/p>\n      <\/div>\n    <\/details>\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">O que \u00e9 o teste Brunner?<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <p class=\"jbsl-faq-a\">\u00c9 o padr\u00e3o de tr\u00eas fatores de dificuldade excessiva usado pelo D\u00e9cimo Primeiro Circuito (que cobre a Fl\u00f3rida): padr\u00e3o m\u00ednimo de vida, persist\u00eancia da dificuldade e esfor\u00e7o de boa-f\u00e9 para pagar.<\/p>\n      <\/div>\n    <\/details>\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">Isso s\u00f3 vale para empr\u00e9stimos federais?<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <p class=\"jbsl-faq-a\">O processo simplificado de atestado do Departamento de Justi\u00e7a e do Departamento de Educa\u00e7\u00e3o, e o Student Loan Discharge Program de 2026 do Distrito Central da Fl\u00f3rida, se aplicam especificamente a empr\u00e9stimos federais administrados pelo Departamento de Educa\u00e7\u00e3o. Empr\u00e9stimos privados tamb\u00e9m podem ser buscados, mas por um adversary proceeding tradicional.<\/p>\n      <\/div>\n    <\/details>\n    <details class=\"jbsl-disclosure\">\n      <summary class=\"jbsl-disclosure-title\">Quanto tempo demora um caso de elimina\u00e7\u00e3o de empr\u00e9stimo estudantil?<\/summary>\n      <div class=\"jbsl-disclosure-body\">\n        <p class=\"jbsl-faq-a\">Varia conforme a complexidade do caso e se o governo aceita a dificuldade excessiva ou se o assunto \u00e9 litigado. Um advogado pode dar uma estimativa realista depois de analisar sua situa\u00e7\u00e3o.<\/p>\n      <\/div>\n    <\/details>\n  <\/div>\n\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"WebApplication\",\"name\":\"Calculadora de Empr\u00e9stimo Estudantil e Fal\u00eancia\",\"description\":\"Uma ferramenta educativa gratuita para ajudar brasileiros que buscam a fal\u00eancia na Fl\u00f3rida a entender se sua situa\u00e7\u00e3o mostra sinais que podem sustentar um caso de elimina\u00e7\u00e3o de empr\u00e9stimo estudantil por dificuldade excessiva.\",\"applicationCategory\":\"UtilitiesApplication\",\"operatingSystem\":\"Any\",\"inLanguage\":\"pt-BR\",\"offers\":{\"@type\":\"Offer\",\"price\":\"0\",\"priceCurrency\":\"USD\"},\"provider\":{\"@type\":\"LegalService\",\"name\":\"Juan Burgos Law\",\"telephone\":\"+1-407-505-4190\",\"address\":{\"@type\":\"PostalAddress\",\"streetAddress\":\"1339 Arlington St\",\"addressLocality\":\"Orlando\",\"addressRegion\":\"FL\",\"postalCode\":\"32805\",\"addressCountry\":\"US\"}}}\n<\/script>\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"inLanguage\":\"pt-BR\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"O empr\u00e9stimo estudantil realmente pode ser eliminado na fal\u00eancia?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Sim, mas n\u00e3o automaticamente. 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}\n      nativeForm.style.display = \"block\";\n      var msgEl = nativeForm.querySelector('textarea[name=\"message\"]');\n      if (msgEl && !msgEl.value) {\n        msgEl.value = \"Gostaria de falar com algu\u00e9m sobre um poss\u00edvel caso de elimina\u00e7\u00e3o de empr\u00e9stimo estudantil.\";\n      }\n      var caseSelect = nativeForm.querySelector('select[name=\"case_type\"]');\n      if (caseSelect && !caseSelect.value) {\n        var hasDebt = Array.prototype.some.call(caseSelect.options, function(o){ return o.value === \"debt\"; });\n        if (hasDebt) { caseSelect.value = \"debt\"; }\n      }\n      nativeForm.scrollIntoView({behavior: \"smooth\", block: \"start\"});\n      announce(\"Formul\u00e1rio de contato revelado abaixo.\");\n    });\n  }\n\n  function computeScore() {\n    var score = 0;\n    score += (answers.livingStandard || 0);\n\n    var persistenceCount = answers.persistence.filter(function(v){ return v !== \"none\"; }).length;\n    score += Math.min(persistenceCount, 2);\n\n    var gf = answers.goodFaith;\n    if (gf.indexOf(\"never-attempted\") !== -1) {\n      score -= 1;\n    } else {\n      if (gf.indexOf(\"paid-when-able\") !== -1) { score += 1; }\n      if (gf.indexOf(\"tried-idr\") !== -1) { score += 1; }\n      if (gf.indexOf(\"contacted-servicer\") !== -1) { score += 1; }\n    }\n    return score;\n  }\n\n  function tierFor(score) {\n    if (score >= 4) { return \"a\"; }\n    if (score >= 2) { return \"b\"; }\n    return \"c\";\n  }\n\n  var TIER_COPY = {\n    a: {\n      badge: \"Sinais de um caso forte\",\n      headline: \"Sua situa\u00e7\u00e3o mostra sinais que podem sustentar um caso de dificuldade excessiva no seu empr\u00e9stimo estudantil.\",\n      body: \"Pelas suas respostas, v\u00e1rios fatores que as cortes avaliam em um caso de dificuldade excessiva parecem estar presentes. Isso n\u00e3o garante uma elimina\u00e7\u00e3o &mdash; s\u00f3 a revis\u00e3o de um advogado de fal\u00eancias e a decis\u00e3o da corte podem determinar isso &mdash; mas vale a pena uma conversa de verdade sobre suas op\u00e7\u00f5es.\"\n    },\n    b: {\n      badge: \"Poss\u00edvel, vale revisar\",\n      headline: \"Voc\u00ea pode ter um caso, mas provavelmente vai precisar de mais documenta\u00e7\u00e3o.\",\n      body: \"Parte do que as cortes consideram para dificuldade excessiva aparece nas suas respostas, e parte ainda n\u00e3o. Um olhar mais de perto sobre todo o seu quadro financeiro &mdash; renda, despesas e hist\u00f3rico de pagamento &mdash; ajudaria a esclarecer onde voc\u00ea est\u00e1.\"\n    },\n    c: {\n      badge: \"Fale com um advogado para ter certeza\",\n      headline: \"Pelas suas respostas, este pode ser um caso mais dif\u00edcil &mdash; mas cada situa\u00e7\u00e3o \u00e9 diferente.\",\n      body: \"Casos de dificuldade excessiva dependem dos fatos de cada situa\u00e7\u00e3o, e as respostas aqui n\u00e3o capturam tudo o que uma corte levaria em conta. S\u00f3 um advogado de fal\u00eancias pode dizer com certeza se vale a pena buscar a elimina\u00e7\u00e3o no seu caso.\"\n    }\n  };\n\n  function contextNoticeHtml() {\n    var parts = [];\n    if (answers.filing === \"planning\" || answers.filing === \"unsure\") {\n      parts.push(\"<div class=\\\"jbsl-notice\\\"><strong>Pr\u00f3ximo passo:<\/strong> A elimina\u00e7\u00e3o do empr\u00e9stimo estudantil s\u00f3 acontece dentro de um caso de Chapter 7 ou Chapter 13. Se voc\u00ea ainda n\u00e3o abriu o seu caso, esse \u00e9 o primeiro passo &mdash; podemos ajudar com a fal\u00eancia e com o processo do empr\u00e9stimo estudantil juntos.<\/div>\");\n    }\n    if (answers.loanType === \"federal\" || answers.loanType === \"both\") {\n      parts.push(\"<div class=\\\"jbsl-notice\\\"><strong>Bom saber:<\/strong> Como voc\u00ea tem empr\u00e9stimos federais administrados pelo Departamento de Educa\u00e7\u00e3o, seu caso pode ser eleg\u00edvel para o processo simplificado de atestado do Departamento de Justi\u00e7a\/Departamento de Educa\u00e7\u00e3o e para o Student Loan Discharge Program de 2026 do Distrito Central da Fl\u00f3rida.<\/div>\");\n    }\n    if (answers.loanType === \"private\") {\n      parts.push(\"<div class=\\\"jbsl-notice\\\"><strong>Bom saber:<\/strong> Empr\u00e9stimos privados n\u00e3o entram no programa federal de atestado, mas ainda podem ser buscados por um adversary proceeding tradicional.<\/div>\");\n    }\n    return parts.join(\"\");\n  }\n\n  function summarizeAnswers(tier, score) {\n    var lines = [];\n    lines.push(\"Resultado da Calculadora de Empr\u00e9stimo Estudantil: \" + tier.toUpperCase() + \" (pontua\u00e7\u00e3o \" + score + \")\");\n    lines.push(\"Situa\u00e7\u00e3o da fal\u00eancia: \" + answers.filing);\n    lines.push(\"Tipo de empr\u00e9stimo: \" + answers.loanType);\n    lines.push(\"Impacto no padr\u00e3o de vida: \" + answers.livingStandard);\n    lines.push(\"Fatores de persist\u00eancia: \" + (answers.persistence.join(\", \") || \"nenhum\"));\n    lines.push(\"Fatores de boa-f\u00e9: \" + (answers.goodFaith.join(\", \") || \"nenhum\"));\n    return lines.join(\"\\n\");\n  }\n\n  function revealNativeForm(tier, score) {\n    var nativeForm = document.querySelector(\".bfl\");\n    if (!nativeForm) { return; }\n    nativeForm.style.display = \"block\";\n\n    var msgEl = nativeForm.querySelector('textarea[name=\"message\"]');\n    if (msgEl && !msgEl.value) { msgEl.value = summarizeAnswers(tier, score); }\n\n    var caseSelect = nativeForm.querySelector('select[name=\"case_type\"]');\n    if (caseSelect && !caseSelect.value) {\n      var hasDebt = Array.prototype.some.call(caseSelect.options, function(o){ return o.value === \"debt\"; });\n      if (hasDebt) { caseSelect.value = \"debt\"; }\n    }\n  }\n\n  function renderResults() {\n    var score = computeScore();\n    var tier = tierFor(score);\n    var copy = TIER_COPY[tier];\n\n    var tierHtml = '<div class=\"jbsl-tier jbsl-tier-' + tier + '\">' +\n      '<span class=\"jbsl-tier-badge\">' + copy.badge + '<\/span>' +\n      '<p class=\"jbsl-tier-headline\">' + copy.headline + '<\/p>' +\n      '<p class=\"jbsl-tier-body\">' + copy.body + '<\/p>' +\n      '<\/div>';\n\n    root.querySelector(\"#jbsl-tier-block\").innerHTML = tierHtml;\n    root.querySelector(\"#jbsl-context-notice\").innerHTML = contextNoticeHtml();\n\n    wizardCard.style.display = \"none\";\n    resultsEl.classList.add(\"jbsl-active\");\n    resultsEl.setAttribute(\"tabindex\", \"-1\");\n    resultsEl.focus({preventScroll:false});\n    announce(\"Seus resultados est\u00e3o prontos.\");\n\n    revealNativeForm(tier, score);\n  }\n\n  root.querySelector(\"#jbsl-restart\").addEventListener(\"click\", function(){\n    form.reset();\n    root.querySelectorAll(\".jbsl-option\").forEach(function(o){ o.classList.remove(\"jbsl-checked\"); });\n    answers = { filing: null, loanType: null, livingStandard: null, persistence: [], goodFaith: [] };\n    current = 1;\n    wizardCard.style.display = \"block\";\n    resultsEl.classList.remove(\"jbsl-active\");\n    var nativeForm = document.querySelector(\".bfl\");\n    if (nativeForm) { nativeForm.style.display = \"none\"; }\n    showStep(1);\n    wizardCard.scrollIntoView({behavior: \"smooth\", block: \"start\"});\n  });\n\n  showStep(1);\n})();\n<\/script>\n<!--\/noptimize--><\/div><\/div><div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--group--divi-text--divi-layout--default preset--group--divi-text--divi-sizing--default preset--group--divi-text--divi-spacing--default\"><div class=\"et_pb_text_inner\">\t\t<div class=\"bfl bfl--classic\" data-lang=\"pt\" data-source=\"\" data-style=\"classic\">\n\t\t\t<div class=\"bfl-head\">\n\t\t\t\t<h2 class=\"bfl-title\">Come\u00e7ar \u00e9 F\u00e1cil.<\/h2>\n\t\t\t<\/div>\n\n\t\t\t<form class=\"bfl-form\" novalidate autocomplete=\"on\">\n\t\t\t\t\t\t<input type=\"text\" name=\"bfl_website\" class=\"bfl-hp\" tabindex=\"-1\" autocomplete=\"off\" aria-hidden=\"true\">\n\t\t<input type=\"hidden\" name=\"bfl_ts\" value=\"1789913858\">\n\t\t\n\t\t\t\t<div class=\"bfl-grid2\">\n\t\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-first\">Nome<\/label>\n\t\t\t\t\t\t<input type=\"text\" id=\"bfl-first\" name=\"first_name\" placeholder=\"Nome\" autocomplete=\"given-name\" required>\n\t\t\t\t\t\t<span class=\"bfl-error\" aria-live=\"polite\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-last\">Sobrenome<\/label>\n\t\t\t\t\t\t<input type=\"text\" id=\"bfl-last\" name=\"last_name\" placeholder=\"Sobrenome\" autocomplete=\"family-name\">\n\t\t\t\t\t\t<span class=\"bfl-error\" aria-live=\"polite\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"bfl-grid2\">\n\t\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-phone-c\">N\u00famero de telefone<\/label>\n\t\t\t\t\t\t<input type=\"tel\" id=\"bfl-phone-c\" name=\"phone\" placeholder=\"N\u00famero de telefone\" autocomplete=\"tel\" inputmode=\"tel\" required>\n\t\t\t\t\t\t<span class=\"bfl-error\" aria-live=\"polite\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-zip\">CEP \/ Zip code<\/label>\n\t\t\t\t\t\t<input type=\"text\" id=\"bfl-zip\" name=\"zip\" placeholder=\"CEP \/ Zip code\" autocomplete=\"postal-code\" inputmode=\"numeric\" maxlength=\"12\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-email-c\">E-mail<\/label>\n\t\t\t\t\t<input type=\"email\" id=\"bfl-email-c\" name=\"email\" placeholder=\"E-mail\" autocomplete=\"email\" inputmode=\"email\" required>\n\t\t\t\t\t<span class=\"bfl-error\" aria-live=\"polite\"><\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-case\">- Tipo de caso -<\/label>\n\t\t\t\t\t<select id=\"bfl-case\" name=\"case_type\" required>\n\t\t\t\t\t\t<option value=\"\">- Tipo de caso -<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"debt\">Al\u00edvio de D\u00edvidas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"home\">Salvar Minha Casa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"business\">D\u00edvidas Empresariais<\/option>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<option value=\"auto\">Acidente de Carro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<\/select>\n\t\t\t\t\t<span class=\"bfl-error\" aria-live=\"polite\"><\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<div class=\"bfl-field\">\n\t\t\t\t\t<label class=\"bfl-sr\" for=\"bfl-message-c\">Conte-nos o que aconteceu<\/label>\n\t\t\t\t\t<textarea id=\"bfl-message-c\" name=\"message\" rows=\"4\" placeholder=\"Conte-nos o que aconteceu\"><\/textarea>\n\t\t\t\t<\/div>\n\n\t\t\t\t<p class=\"bfl-consent\">Ao enviar este formul\u00e1rio, voc\u00ea concorda em ser contatado por liga\u00e7\u00e3o, mensagem de texto ou e-mail sobre sua consulta. Tarifas de mensagens e dados podem se aplicar. Responda STOP para cancelar. O consentimento n\u00e3o \u00e9 condi\u00e7\u00e3o para nos contratar.<\/p>\n\n\t\t\t\t<button type=\"submit\" class=\"bfl-btn bfl-btn-submit bfl-btn-block\">Veja Se Voc\u00ea Qualifica<\/button>\n\n\t\t\t\t<p class=\"bfl-trust\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"4\" y=\"11\" width=\"16\" height=\"10\" rx=\"2\"\/><path d=\"M8 11V7a4 4 0 0 1 8 0v4\"\/><\/svg> Confidencial. Sem compromisso. Normalmente respondemos no mesmo dia \u00fatil.<\/p>\n\t\t\t\t<p class=\"bfl-disclaimer\">Os resultados podem variar de acordo com seus fatos e circunst\u00e2ncias legais espec\u00edficas.<\/p>\n\n\t\t\t\t\t\t<div class=\"bfl-success\" hidden>\n\t\t\t<div class=\"bfl-success-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M20 6 9 17l-5-5\"\/><\/svg><\/div>\n\t\t\t<h3 class=\"bfl-success-title\"><\/h3>\n\t\t\t<p class=\"bfl-success-body\">Recebemos suas informa\u00e7\u00f5es e entraremos em contato em breve.<\/p>\n\t\t\t<p class=\"bfl-success-call\">Precisa de ajuda agora?<\/p>\n\t\t\t<a class=\"bfl-btn bfl-btn-call\" href=\"tel:4075054190\">\n\t\t\t\t<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 16.9v3a2 2 0 0 1-2.2 2 19.8 19.8 0 0 1-8.6-3.1 19.5 19.5 0 0 1-6-6A19.8 19.8 0 0 1 2.1 4.2 2 2 0 0 1 4.1 2h3a2 2 0 0 1 2 1.7c.1.9.3 1.9.7 2.8a2 2 0 0 1-.5 2.1L8 9.9a16 16 0 0 0 6 6l1.3-1.3a2 2 0 0 1 2.1-.5c.9.4 1.9.6 2.8.7a2 2 0 0 1 1.8 2.1z\"\/><\/svg>\t\t\t\tLigue para 407-505-4190\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t<\/form>\n\t\t<\/div>\n\t\t\n<\/div><\/div><div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--group--divi-text--divi-layout--default preset--group--divi-text--divi-sizing--default preset--group--divi-text--divi-spacing--default\"><div class=\"et_pb_text_inner\"><p style=\"text-align:center;font-size:14px;\">Quer entender o processo completo? Leia nosso guia sobre <a href=\"https:\/\/juanburgoslaw.com\/pt-br\/emprestimo-estudantil-falencia\/\">Empr\u00e9stimo Estudantil e Fal\u00eancia<\/a>.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_2 et_pb_section et_section_regular et_flex_section preset--group--divi-section--divi-layout--default preset--group--divi-section--divi-sizing--default preset--group--divi-section--divi-spacing--default preset--group--divi-section--divi-spacing--hqsxvlk--default preset--group--divi-section--divi-spacing--hk1jct3--default preset--group--divi-section--divi-spacing--hda4u0m--default preset--group--divi-section--divi-layout--hp3jn2g--default preset--group--divi-section--divi-sizing--hsj9uxo--default preset--group--divi-section--divi-spacing--hz5ljtx--default\"><div class=\"et_pb_row_2 et_pb_row et_flex_row preset--group--divi-row--divi-layout--default preset--group--divi-row--divi-spacing--default preset--group--divi-row--divi-layout--hp3jn2g--default preset--group--divi-row--divi-sizing--h1k452m--default\"><div class=\"et_pb_column_2 et_pb_column et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone preset--group--divi-column--divi-layout--default preset--group--divi-column--divi-spacing--default preset--group--divi-column--divi-sizing--default preset--group--divi-column--divi-sizing--hsj9uxo--default\"><div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module preset--group--divi-text--divi-layout--default preset--group--divi-text--divi-sizing--default preset--group--divi-text--divi-spacing--default\"><div class=\"et_pb_text_inner\">\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-10013","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages\/10013","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/comments?post=10013"}],"version-history":[{"count":1,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages\/10013\/revisions"}],"predecessor-version":[{"id":10014,"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/pages\/10013\/revisions\/10014"}],"wp:attachment":[{"href":"https:\/\/juanburgoslaw.com\/pt-br\/wp-json\/wp\/v2\/media?parent=10013"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}