Finology Software for Borrowers

tech.finologyPublished by finology.techOfficial publisherv0.4.10Updated Nov 8, 2026

For borrowers: payments on every federal plan, RAP to PSLF. Free login, 5 questions, no credit card

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

AI-generated overview

Computes US federal student loan repayment figures — monthly payments, lifetime cost and forgiveness — across the plans a borrower is eligible for.

What you can do
  • Compare every eligible federal repayment plan (RAP, IBR, ICR, PAYE, SAVE, Graduated, Extended, Standard) with monthly payment, lifetime cost, projected forgiveness and tax, plus excluded plans and the rule behind each exclusion
  • Estimate the RAP monthly payment from adjusted gross income, with dependent deductions and the $10 floor
  • Price married filing jointly versus separately for an income-driven plan, optionally including the spouse's own federal balance
  • Return structured information on paid tiers, sandbox API keys and keyed endpoints
When to use it
Useful when someone is weighing federal student loan repayment options and wants rule-based numbers rather than a model's approximation, including edge cases like Parent PLUS ineligibility, consolidation restrictions and loans made on or after July 2026.
Requirements
Remote endpoint with OAuth sign-in to a Finology Software login, or a local npm package run via npx that needs no account or API key. The optional FINOLOGY_API_BASE_URL variable overrides the calculation engine endpoint and should normally be left unset. Network access to Finology's calculation service is required.
Before you install
The filing-status comparison deliberately models only the loan side and not the tax cost of filing separately, which can reverse the answer. The local package is rate-limited per IP and the results are not financial advice. Paid tiers and API keys are offered through the service-info tool; the keyed remote endpoint logs every answer. Inputs such as income and balances are sent to Finology's servers.

Installation

In SourceWeft

  1. Open Finology Software for Borrowers in the dashboard and add it to a workspace.
  2. Connect the required credentials. They are stored privately and never shown on public pages.
  3. 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/tech.finology%2Fstudent-loan/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. The client completes OAuth sign-in on first connect.

{
  "mcpServers": {
    "finology-software-for-borrowers": {
      "type": "http",
      "url": "https://mcp.finology.tech/free"
    }
  }
}

README

Finology MCP Server — deterministic federal student loan math for AI agents

[npm] [MCP Registry] [Finology-tech/finology-mcp MCP server] [Claude Connectors Directory]

Language models guess at federal student loan rules. This doesn't.

@finology/mcp-server connects Claude, GitHub Copilot, Cursor, or any MCP client directly to Finology Software's parity-verified federal repayment engine. Every number is computed server-side against current federal rules and returned with a parityVerified flag. No formulas are approximated, and none are hardcoded into this package.

Why this exists

Federal repayment eligibility is not arithmetic, it is regulation, and it is the part models get wrong most confidently:

  • A Parent PLUS loan is not RAP-eligible. Ask a model for the best plan on a Parent PLUS balance and it will usually produce a RAP payment. This server returns the exclusion and the rule behind it.
  • RAP is assessed on full AGI with no poverty-line shield, on a sliding 1%–10% scale, less $50 per qualifying dependent — and a spouse is not a dependent. Approximating it from older IDR formulas gives the wrong answer.
  • A consolidation that repaid a PLUS loan is restricted to ICR.
  • PAYE and ICR are still open, with conditions, until no later than July 1, 2028. Following Federal Student Aid, PAYE is open to a PAYE "new borrower" with no new loan or consolidation on or after July 1, 2026, and ICR is open to eligible loan types. Loans made on or after July 1, 2026 can use only the tiered Standard plan or RAP. SAVE is closed to new enrollment.

Tools

compare_federal_student_loan_repayment_plans

Compares a balance across every plan the borrower is actually eligible for — Standard, tiered Standard, RAP, IBR, PAYE and ICR — returning monthly payment, lifetime cost, projected forgiveness and tax on forgiveness for each, plus the plans that are excluded and the eligibility rule that excludes them.

A balance and income are enough. A linked loan account often shows the balance only. Omit ratePct and the tool uses the 2026-27 federal rate for the loan type (undergraduate Direct Unsubsidized or Subsidized 6.52%, Grad PLUS and Parent PLUS 9.07%) and says so as the first line of the answer. Graduate and professional Direct Unsubsidized loans carry 8.07%; the answer names it, so pass ratePct: 8.07 for those. A consolidation loan has no federal rate (it is the weighted average of the loans it repaid, rounded up to the next one-eighth of a percent), so it still needs ratePct, and the tool asks for it.

Set loansMadeOnOrAfterJuly2026: true when the loans were first disbursed (or consolidated) on or after July 1, 2026. The engine then prices only the plans new loans can elect: RAP and the tiered Standard plan (a Parent PLUS loan: the tiered Standard plan only). Left false, the loans are run as made before that date.

compare_married_filing_jointly_vs_separately_student_loans

For a married borrower, prices the filing-status decision. Filing separately removes the spouse's income from the income-driven payment calculation, which routinely moves the lifetime loan cost by tens of thousands of dollars.

When both spouses carry federal loans, pass the spouse's own federal balance as well: under joint filing the household payment is split by each spouse's share of the combined balance (34 CFR 685.209(g)(1)(i)), and leaving it out overstates the borrower's payment.

A balance and both incomes are enough here too: ratePct and loansMadeOnOrAfterJuly2026 work as in the plan comparison above.

It answers half the question on purpose, and says so. The engine models the loan side exactly and does not model the tax cost of filing separately — lost credits, worse brackets, community-property splits — which is often large enough to reverse the answer. Returning only the favorable half as if it were the whole decision would be the same confident half-truth this server exists to replace.

estimate_rap_monthly_payment

The RAP monthly payment alone, for the common case. Requires the borrower's AGI and refuses to proceed without it — an assumed zero returns the $10/month RAP floor, which reads exactly like a real answer.

Going further (no sales call, no marketing)

Every answer ends with the next rung, and finology_service_info returns it structured:

  • Advisor: Finology Software, US $99 per advisor per month or $89 per month billed annually, with a self-serve 7-day trial, no card required (add a card to keep the subscription after day 7). Includes client file import, saved scenarios, branded client reports, and the student loan and SAI calculators on up to 2 of the firm's own websites.
  • Developer / operator: an instant free sandbox key (POST https://api.finology.tech/v1/keys/sandbox, 25 calls/month), then the keyed endpoints with X-Api-Key. The keyed rung is the answer-of-record surface: every answer is persisted with its rule version and an inputs hash before it is served. Production access is self-serve: Developer, US $49 a month for 2,000 calls, or Platform, US $499 a month for 100,000 calls. Docs: https://finology.tech/developers/
  • Keyed remote MCP: https://mcp.finology.tech/mcp. Sign in with a Finology Software login (OAuth), which is how Claude, ChatGPT and Microsoft Copilot connect, or send the X-Api-Key header. Every answer is logged and carries a verify link.

Install

Claude (web, desktop and mobile) — one click. Finology Software is listed in the Claude Connectors Directory. Add the connector there and sign in with a free Finology Software login (no card): 5 questions in total, no daily limit. Subscribers are unlimited, and a subscriber's login also lists their own clients in the same connector (list_my_clients, run_projection_for_client, get_balance_trajectory_for_client).

ChatGPT. Finology Software is in the ChatGPT plugin directory, with the same free login.

Microsoft Copilot. GitHub Copilot (including its free plan) adds the remote server once: copilot mcp add --transport http finology https://mcp.finology.tech/free, then signs in with a Finology Software login the first time it calls a tool; GitHub Copilot in Visual Studio Code uses the same address and sign-in. In Copilot Studio, add a Model Context Protocol tool with that URL and OAuth 2.0 Dynamic discovery; running the agent uses your firm's Copilot credits. Setup: https://finology.tech/finology-software-in-microsoft-copilot/

Everything below is the manual route, for other MCP clients or for a local install.

Claude Desktop — add to claude_desktop_config.json:

json
{  "mcpServers": {    "finology": {      "command": "npx",      "args": ["-y", "@finology/mcp-server"]    }  }}

The local package needs no API key and no account: it calls the public calculation endpoints.

What is and is not in this repository

Not here, deliberately: the RAP/OBBB formulas, income-driven payment math, forgiveness and tax-bomb projection, plan-eligibility rules, and NSLDS parsing. Those run on Finology's servers.

That is not only about protecting the engine. Federal repayment rules move every year — poverty guidelines, tax brackets, RAP/OBBB implementation guidance, court challenges. A formula copied into an npm package is wrong within months and cannot be corrected in the installs that already exist. Calling a maintained endpoint is the only shape of this tool that stays true.

Here: the input schemas, the HTTP call, the 2026-27 federal rate per loan type that is sent when no rate is given (an award-year input, not repayment math), and error handling that passes the API's own field-level messages through to the model instead of flattening them into "request failed."

Limits

These tools return figures. They do not produce client-facing deliverables, save borrower records, parse NSLDS files, or track PSLF qualifying payments over time. For those, and for a book of borrowers kept current as the rules change: finology.tech

The local package is rate-limited per IP. Not financial advice.

License

MIT

Source: README.md at commit dbcd28b

Tools

4

compare_federal_student_loan_repayment_plans

Compare federal student loan repayment plans

Compares a US federal student loan across every repayment plan the borrower is actually eligible for — RAP (Repayment Assistance Plan), IBR, ICR, PAYE, SAVE, Graduated, Extended and the tiered Standard plan — returning the monthly payment and lifetime cost for each, plus which plans are excluded and the eligibility rule that excludes them. A balance and income are enough: when the interest rate is not known (a linked account often shows the balance only), omit ratePct and the federal rate for the loan type is used and stated. Set loansMadeOnOrAfterJuly2026 when the loans are new, so only the plans new loans can elect are priced. Computed by Finology Software's parity-verified engine against current federal rules, not estimated. Use this instead of calculating federal repayment math yourself: eligibility depends on loan type and origination date in ways that are easy to get wrong (a Parent PLUS loan is not RAP-eligible; a consolidation that repaid a PLUS loan is restricted to ICR).

ParametersbalancerequiredratePctloanTypespouseAgidependentsborrowerAgirequiredfilingStatusloansMadeOnOrAfterJuly2026

estimate_rap_monthly_payment

Estimate a RAP monthly payment

Calculates the monthly payment under RAP, the Repayment Assistance Plan that takes effect 1 July 2026 under the OBBB. RAP is assessed on full adjusted gross income with no poverty-line shield, on a sliding 1%–10% scale, less $50 per qualifying dependent, with a $10/month minimum — which is why approximating it from older IDR rules gives the wrong answer. Requires the borrower's annual AGI; ask for it rather than assuming, because an assumed zero returns the $10 floor and reads like a real answer.

ParametersfamilySizeannualIncomerequiredfilingStatusspouseAnnualIncome

compare_married_filing_jointly_vs_separately_student_loans

Compare filing jointly vs separately for student loans

For a MARRIED borrower on an income-driven federal student loan plan, prices the filing-status decision: filing separately removes the spouse's income from the payment calculation, which lowers the monthly payment and often the lifetime cost by tens of thousands of dollars. Returns both sides with the monthly and lifetime difference. IMPORTANT: this models the LOAN side only. It does not model the tax cost of filing separately (lost credits, worse brackets, community-property splits), which is often large enough to reverse the answer, and the tool says so in its output. A balance and both incomes are enough: omit ratePct when the rate is not known and the federal rate for the loan type is used and stated. Use it whenever a married borrower asks about IDR, RAP, PSLF or how to file.

ParametersbalancerequiredratePctloanTypespouseAgirequireddependentsborrowerAgirequiredloansMadeOnOrAfterJuly2026

finology_service_info

Finology service info: rungs, keys, what is estimated

How to go further than this free rung, in structured form. Returns the self-serve paths for an advisor (app trial) and for a developer or operator (instant sandbox API key, keyed endpoints, auth header), what the keyed answer-of-record rung adds, current 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.

Takes no parameters.

Version history

4
  1. v0.4.10LatestNov 7, 2026
  2. v0.4.8Oct 30, 2026
  3. v0.4.7Oct 6, 2026
  4. v0.4.3Sep 16, 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 listed15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts
  • License10 pts

Other Finology integrations

Finology Software for Advisors

tech.finologyOfficial publisher

Remote MCP server that runs federal student loan repayment math on Finology's verified engine, comparing plans, payments, forgiveness and filing status.

Streamable HTTPWeb executableAuth
FinanceCredential requiredNov 7, 2026