Finology Student Loan Calculator MCP Server

by finology Your server? Claim it

answering

Finology Student Loan Calculator is answering right now. Last checked 4 min ago. 368 installs a week from npm. It exposes 4 tools. Last commit 16 Sep 2026.

Free, keyless federal student-loan math: RAP, IBR, ICR, PSLF. Logged+cited tier: verified-engine

Installs per day peak 425 · avg 52 · +45% w/w

a month agotoday

Uptime history 18 days of history

18 days agonow

100.0%

Uptime 24h

91 of 91 checks

Tools

read from the server

834 ms

Response time

average over 24h

368

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 Student Loan Calculator every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 4 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add student-loan --transport http https://mcp.finology.tech/free

~/Library/Application Support/Claude/claude_desktop_config.json

{
  "mcpServers": {
    "student-loan": {
      "url": "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

{
  "mcpServers": {
    "student-loan": {
      "url": "https://mcp.finology.tech/free"
    }
  }
}

This one needs environment variables set before it will start: FINOLOGY_API_BASE_URL (Optional. Overrides the calculation engine endpoint. Defaults to https://engine.finology.tech and should be left unset unless you are testing against a different environment.). The author declared them in the registry entry; get the values from the project itself.

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

URL	Transport	State	Latency	Checked
https://mcp.finology.tech/free	streamable-http	answering	815 ms	4 min ago

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Finology Student Loan Calculator — questions

Answers built from our own checks of this server.

What can Finology Student Loan Calculator 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 Student Loan Calculator 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 834 ms. The bar chart above shows every period we have measured.

How do I connect Finology Student Loan Calculator?

Copy the ready config from this page — we generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each with the file path that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.

Does Finology Student Loan Calculator need an API key?

No. Finology Student Loan Calculator completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 4 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is Finology Student Loan Calculator?

It answers our handshake in 834 ms on average, which is faster than 14% 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 Student Loan Calculator?

The npm package @finology/mcp-server was installed 368 times in the last week. Week over week that is +45%. We show installs rather than GitHub stars on purpose: a star is a bookmark, an install is someone actually running it.

Is Finology Student Loan Calculator open source?

Yes — it is published under the MIT licence, written in TypeScript and 0 stars on GitHub. The source link is on this page, so you can read exactly what it does with your data before you connect it.