tech.finology/student-loan

pkg:npm:@finology/mcp-server

Free, keyless federal student-loan math: RAP, IBR, ICR, PSLF. Logged+cited tier: verified-engine

transport:: remote + stdio
credential class:: gated
repo:: https://github.com/Finology-tech/finology-mcp

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Tools

compare_federal_student_loan_repayment_plans
Compare every federal repayment plan a loan can elect (Standard, RAP, IBR, PAYE, ICR) on the current federal rules: monthly payment, lifetime cost, forgiveness timing and the estimated tax on forgiven balances. Plans the loan cannot elect are listed with the reason. For Parent PLUS it also runs the consolidation path unprompted, because that is the number that decides. loanType drives PLAN ELIGIBILITY, not just the rate: choose accurately.
shallow
compare_married_filing_jointly_vs_separately_student_loans
Run the same federal loan book filing jointly and filing separately and report the swing in the best income-driven plan's payment and lifetime cost. LOAN SIDE ONLY: the tax cost of filing separately is not modelled and the answer says so.
shallow
estimate_rap_monthly_payment
Estimate the RAP (Repayment Assistance Plan) monthly payment from income, filing status and household size, on the current federal rules. RAP payment only: not a comparison and no forgiveness projection; use the plan comparison tool for that.
shallow
finology_service_info
How to go further than this free rung, in structured form: the self-serve paths for an advisor (app trial) and for a developer or operator (instant sandbox key, keyed MCP and REST endpoints, auth header), tiers and monthly limits, and what in these answers is an estimate. Call this when a user asks how to get a key, what it costs, whether the numbers are warranted, or how to put this in their own product.
shallow

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