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Finology Software for Borrowers MCP Server

by finology Your server? Claim it
answering

Finology Software for Borrowers is answering right now. Last checked 9 min ago. 264 installs a week from npm. It exposes 4 tools. Last commit 7 Nov 2026.

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

Installs per day peak 174 · avg 25 · -26% w/w
a month agotoday
Uptime history 65 days of history · worst day 96%
65 days agonow
100.0%
Uptime 24h
91 of 91 checks
4
Tools
read from the server
692 ms
Response time
average over 24h
264
Installs / week
npm and PyPI

What changed 2

Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 6 September 2026. No other catalogue keeps this.

6 Sep a tool description was rewritten estimate_rap_monthly_payment
6 Sep a tool changed the parameters it asks for estimate_rap_monthly_payment

Nothing serious here today

Today is the operative word: we check Finology Software for Borrowers every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Three servers free · no card

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 9 min ago.

run in your terminal
claude mcp add student-loan --transport http https://mcp.finology.tech/free
Settings → Connectors → Add custom connector, then paste this address
https://mcp.finology.tech/free
~/.codex/config.toml
[mcp_servers.student-loan]
url = "https://mcp.finology.tech/free"
.cursor/mcp.json
{
  "mcpServers": {
    "student-loan": {
      "url": "https://mcp.finology.tech/free"
    }
  }
}
.vscode/mcp.json
{
  "servers": {
    "student-loan": {
      "type": "http",
      "url": "https://mcp.finology.tech/free"
    }
  }
}

This endpoint answered with an authorization challenge. The server is running, and it signs you in through your browser: there is no API key to paste.

Available tools 4

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

compare
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.
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.
estimate
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.
finology
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.

Endpoints

URLTransportStateLatencyChecked
https://mcp.finology.tech/free streamable-http sign-in 711 ms 9 min ago

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Finology Software for Borrowers — questions

Answers built from our own checks of this server.

What can Finology Software for Borrowers do?
It exposes 4 tools, read directly from the server on our last check. Among them: compare_federal_student_loan_repayment_plans, compare_married_filing_jointly_vs_separately_student_loans, estimate_rap_monthly_payment, finology_service_info. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →
Is Finology Software for Borrowers working right now?
We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 91 checks got a reply (100.0%), average response time 692 ms. The bar chart above shows every period we have measured.
How do I connect Finology Software for Borrowers?
Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address. You sign in through your browser once and the client keeps the session: no key to copy, and it refuses anonymous clients.
How do you sign in to Finology Software for Borrowers?
No API key is involved. Finology Software for Borrowers answers our knock with an OAuth challenge, so you authorise it once in your browser and the client keeps the session. That is also why we see no tool list: it will not describe itself to an anonymous client, and that is the server working as intended, not a fault.
How fast is Finology Software for Borrowers?
It answers our handshake in 692 ms on average, which is faster than 12% of all working MCP servers we measure. That is on the slow side — worth knowing if the tool sits inside an interactive loop. The comparison comes from our own checks across the whole registry, every 15 minutes.
How many people use Finology Software for Borrowers?
The npm package @finology/mcp-server was installed 264 times in the last week. Week over week that is -26%. We show installs rather than GitHub stars on purpose: a star is a bookmark, an install is someone actually running it.
Is Finology Software for Borrowers open source?
The code is open source: it is published under the MIT licence, written in TypeScript and 0 stars on GitHub. The licence covers the code in the repository, not the hosted service at mcp.finology.tech, which runs on its operator's own terms.