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

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 com

... View full README on GitHub