Student Loan RAP Calculator

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

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:

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

Cursor

Add this to ~/.cursor/mcp.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:

{  "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

More data servers from the same author

Each one is free, needs no API key and has a hosted URL you can paste into Claude or ChatGPT.

The paid back-office collection (invoices, VAT, PDFs, spreadsheets) is at https://mcp.zovo.one