StudentLoan.help: federal repayment plan calculator MCP Server

by studentloan Your server? Claim it

answering

StudentLoan.help: federal repayment plan calculator is answering right now. Last checked 14 min ago. It exposes 3 tools.

Federal student loan repayment estimates: RAP, IBR, Standard, Tiered Standard, PSLF, refinance.

Uptime history 23 hours of history

23 hours agonow

100.0%

Uptime 24h

86 of 86 checks

Tools

read from the server

216 ms

Response time

average over 24h

open, no key

Access

streamable-http

Nothing serious here today

Today is the operative word: we check StudentLoan.help: federal repayment plan 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 14 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add studentloan-help --transport http https://studentloan.help/mcp

Settings → Connectors → Add custom connector, then paste this address

https://studentloan.help/mcp

~/.codex/config.toml

[mcp_servers.studentloan-help]
url = "https://studentloan.help/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "studentloan-help": {
      "url": "https://studentloan.help/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "studentloan-help": {
      "type": "http",
      "url": "https://studentloan.help/mcp"
    }
  }
}

Available tools 3

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

compare

compare_refinance_offer

Given an APR and term a lender has offered, returns the refinanced monthly payment and total, compares it with the cheapest federal plan (or with PSLF, which refinancing would end), and lists the federal protections lost. Same math as the studentloan.help calculator. It shows no lender rates of its own.

compare_repayment_plans

Estimates each federal repayment plan on the borrower's own numbers (RAP, IBR, 10-year Standard, Tiered Standard under the 2026 rules): first monthly payment, total paid, years to payoff or forgiveness, amount forgiven, which plans are open given loan dates, the cheapest plan, PSLF timing for government or 501(c)(3) workers, and Parent PLUS options. Same math as the studentloan.help calculator. Estimates only.

plan

get_plan_rules

The published rules behind each federal student loan plan as studentloan.help states them: RAP, IBR, Standard, Tiered Standard, PSLF, Parent PLUS, the end of SAVE and the 2026 poverty guidelines. Returns the formulas, dates and limits with the statute or regulation and a page link. Omit topic for the list of topics.

Endpoints

URL	Transport	State	Latency	Checked
https://studentloan.help/mcp	streamable-http	answering	136 ms	14 min ago

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StudentLoan.help: federal repayment plan calculator — questions

Answers built from our own checks of this server.

What can StudentLoan.help: federal repayment plan calculator do?

It exposes 3 tools, read directly from the server on our last check. Among them: compare_refinance_offer, compare_repayment_plans, get_plan_rules. 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 StudentLoan.help: federal repayment plan calculator working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 86 of 86 checks got a reply (100.0%), average response time 216 ms. The bar chart above shows every period we have measured.

How do I connect StudentLoan.help: federal repayment plan calculator?

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.

Does StudentLoan.help: federal repayment plan calculator need an API key?

No. StudentLoan.help: federal repayment plan calculator completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 3 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is StudentLoan.help: federal repayment plan calculator?

It answers our handshake in 216 ms on average, which is faster than 66% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.