Student Loan RAP Calculator

io.github.theluckystrikePublished by GitHub account theluckystrikev1.0.1Updated Nov 3, 2026

Student loan RAP payment calculator, 2026 federal loan limits, SAVE/PAYE/ICR end dates (OBBBA).

The publisher's own server: Calculator Tools MCP

VerifiedStreamable HTTPWeb executable

Overview

Student Loan RAP Calculator's hosted MCP server (student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev); no sign-in required; Streamable HTTP; 4 tools.

No AI overview yet: these facts come from the registry entry and the server itself.

Endpoint
student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev
Last checked

Installation

In SourceWeft

  1. Open Student Loan RAP Calculator in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/io.github.theluckystrike%2Fstudent-loan-repayment-assistance-plan-calculator-mcp/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

{
  "mcpServers": {
    "student-loan-rap-calculator": {
      "type": "http",
      "url": "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

README

student-loan-repayment-assistance-plan-calculator-mcp

An MCP server that gives an AI assistant the federal student loan rules from the One Big Beautiful Bill Act (P.L. 119-21) that are newer than its training data: the Repayment Assistance Plan (RAP) payment, its interest subsidy and principal match, cancellation after 360 payments, the Tiered Standard plan, the loan limits that started July 1, 2026, and the dates SAVE, PAYE and ICR borrowers must move. Every rule is copied from the statute text and StudentAid.gov.

Hosted endpoint, no sign-in and no token:

https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp

Tools

ToolWhat it does
calculate_rap_paymentRAP monthly payment from AGI and dependents. With balance and rate, also the first month (interest waived, $50 principal match) and a constant-income projection to payoff or cancellation after 360 payments.
compare_rap_vs_standardRAP against the Tiered Standard plan and the 10-year Standard plan: monthly payment, months, total paid, amount cancelled, PSLF eligibility, and which plan is lowest on each measure.
get_federal_loan_limitsUndergraduate, graduate, professional and Parent PLUS limits in force on a date, before or after July 1, 2026, with the interim exception and the $257,500 lifetime cap.
get_plan_transition_datesEvery dated step from July 4, 2025 to July 1, 2028, marked past or upcoming, and the current status of SAVE, PAYE, ICR, IBR, RAP and the fixed plans.

Every result has structured JSON, a plain-English summary, as_of, source (the statute or StudentAid.gov page) and more.

What it knows that your model does not

  • RAP base payment is a percent of the whole AGI by band: $120 a year at $10,000 or less, then 1% (over $10,000) up to 10% (over $100,000). Divide by 12, subtract $50 per dependent, and never pay less than $10.
  • Because the percent applies to all of AGI, $50,001 pays 5% ($208.34 a month) while $50,000 pays 4% ($166.67).
  • On-time RAP payments that do not cover the month's interest: the unpaid interest is not charged. If principal drops by less than $50, the Department adds a match so it drops by the lesser of $50 or the payment.
  • The remaining balance is cancelled after 360 qualifying payments. On-time RAP payments and 10-year Standard payments count for PSLF (HEA 455(m)(1)(A) as amended by P.L. 119-21 sec. 82004). The Tiered Standard plan does not (StudentAid.gov).
  • Tiered Standard: 10 years under $25,000, 15 under $50,000, 20 under $100,000, 25 at $100,000 or more.
  • From July 1, 2026: Grad PLUS ends for new borrowers, graduate loans cap at $20,500 a year and $100,000, professional at $50,000 and $200,000, Parent PLUS at $20,000 a year and $65,000 per student, and $257,500 lifetime.
  • A court order ended SAVE in March 2026. Servicers send 90-day notices from July 1, 2026, then a final 30-day notice. PAYE and ICR end no later than July 1, 2028, when remaining borrowers go to RAP or IBR.

Install

Claude.ai custom connector or ChatGPT developer mode

Add a custom connector and paste the URL. No token is needed.

https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp

Claude Code

claude mcp add --transport http student-loan-rap https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp

Or run it locally:

claude mcp add student-loan-rap -- npx -y github:theluckystrike/student-loan-repayment-assistance-plan-calculator-mcp

Claude Desktop

Add this to claude_desktop_config.json:

json
{  "mcpServers": {    "student-loan-rap": {      "command": "npx",      "args": ["-y", "github:theluckystrike/student-loan-repayment-assistance-plan-calculator-mcp"]    }  }}

Cursor

Add this to ~/.cursor/mcp.json:

json
{  "mcpServers": {    "student-loan-rap": {      "url": "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp"    }  }}

VS Code

Add this to .vscode/mcp.json:

json
{  "servers": {    "student-loan-rap": {      "type": "http",      "url": "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp"    }  }}

Node 20 or newer is needed for the local npx version.

Example prompts

  • "My AGI is $55,000 and I have one child. What would my RAP student loan payment be?"
  • "I owe $40,000 at 6.53%. Compare RAP with the Tiered Standard plan."
  • "I was on SAVE. When do I have to pick a new plan, and what happens if I do not?"
  • "How much can parents borrow in Parent PLUS loans for a student starting in fall 2026?"
  • "Can I still get a Grad PLUS loan for law school starting in August 2026?"
  • "When do PAYE and ICR end?"

Data sources

Rules are copied from the text of P.L. 119-21, Title VIII (govinfo.gov), the StudentAid.gov SAVE FAQ, the FSA Handbook 2025-26 volume 8 chapter 4 and FSA's loan limits FAQ, all fetched on 2026-11-02. See DATA_SOURCES.md.

Limitations

  • General information, not financial advice. Your servicer computes the official payment.
  • Rounding, daily interest accrual, how the subsidy is split across loans and mid-year income changes follow Department procedures and regulations. This server did not confirm final RAP regulations on 2026-11-02 and treats cents as estimates.
  • Projections hold income and family size constant and assume every payment is on time.
  • IBR, ICR and PAYE payment amounts are not calculated. Health professions and other special loan limits are not covered.

More

More free data servers with hosted URLs: mcpstamp.com/free-servers.

Part of the Zovo MCP collection: https://mcp.zovo.one

Development

npm installnpm run buildnpm test

src/core.ts holds all the rules and has no I/O. src/stdio.ts is the local entry and src/worker.ts is the Cloudflare Worker entry. Both use the same tool registry in src/tools.ts.

License

MIT

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Source: README.md at commit 3ce598f

Tools

4

calculate_rap_payment

Repayment Assistance Plan (RAP) monthly payment

Calculates the federal student loan Repayment Assistance Plan (RAP) payment created by the One Big Beautiful Bill Act (P.L. 119-21, HEA sec. 455(q)), open since July 1, 2026. Base payment is 1% to 10% of the WHOLE AGI by $10,000 band ($120 a year flat at $10,000 or less, 10% above $100,000), divided by 12, minus $50 per dependent, never below $10. With balance and rate it also shows the first month: interest paid first, unpaid interest waived (interest subsidy), the up-to-$50 principal match, and a constant-income projection to payoff or cancellation after 360 qualifying payments. Copied from the statute text, not model memory.

Parametersagirequiredratebalancedependents

compare_rap_vs_standard

Compare RAP with the Tiered Standard and 10-year Standard plans

Compares the new Repayment Assistance Plan with the Tiered Standard plan (P.L. 119-21: 10 years under $25,000, 15 under $50,000, 20 under $100,000, 25 at $100,000 or more) and, for borrowers with no loan made on or after July 1, 2026, the 10-year Standard plan. Returns monthly payment, months, total paid, interest waived, principal match and the amount cancelled after 360 RAP payments, assuming constant income and on-time payments. Names the plan with the lowest monthly payment and the lowest total paid across all plans shown, and says which count for PSLF (RAP and 10-year Standard yes, Tiered Standard no; HEA 455(m)(1)(A)).

Parametersagirequiredraterequiredbalancerequireddependentshas_loan_on_or_after_2026_07_01

get_federal_loan_limits

Federal student loan limits before and after July 1, 2026

Returns federal Direct Loan borrowing limits in force on a date. From July 1, 2026 (P.L. 119-21 sec. 81001): Grad PLUS ends for new borrowers; graduate unsubsidized $20,500 a year / $100,000 aggregate; professional $50,000 a year / $200,000 aggregate; Parent PLUS $20,000 a year and $65,000 total per dependent student across all parents; $257,500 lifetime cap; less-than-full-time proration; the interim exception for students enrolled with a loan on June 30, 2026. Undergraduate limits ($5,500-$7,500 dependent, $9,500-$12,500 independent) from the FSA Handbook.

Parametersdateborrower_type

get_plan_transition_dates

SAVE, PAYE, ICR and RAP transition dates

Lists the dated steps of the federal student loan repayment overhaul: SAVE ended by court order (March 2026) with 90-day servicer notices from July 1, 2026 plus a final 30-day notice; RAP and the Tiered Standard plan from July 1, 2026; deferment and forbearance limits on loans from July 1, 2027; PAYE and ICR end and remaining borrowers move to RAP or IBR on July 1, 2028; the Parent PLUS consolidation deadline of June 30, 2028. Marks each as past or upcoming against a date and gives the current status of every plan.

Parameterson_date

Version history

2
  1. v1.0.1LatestNov 3, 2026
  2. v1.0.0Nov 3, 2026

Score

100% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts

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