Student Loan RAP Calculator MCP Server

by theluckystrike Your server? Claim it

answering

Student Loan RAP Calculator is answering right now. Last checked 1 min ago. It exposes 4 tools. Last commit 3 Nov 2026.

Student loan RAP payment calculator, 2026 federal loan limits, SAVE/PAYE/ICR end dates (OBBBA).

Uptime history 6 days of history

6 days agonow

100.0%

Uptime 24h

92 of 92 checks

Tools

read from the server

218 ms

Response time

average over 24h

Stars

last commit 3 Nov 2026

What changed 2

Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 3 November 2026. No other catalogue keeps this.

3 Nov a tool description was rewritten compare_rap_vs_standard

3 Nov a tool changed version

Nothing serious here today

Today is the operative word: we check Student Loan RAP 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 1 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add student-loan-repayment-assistance-plan-calculator-mcp --transport http https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp

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

https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp

~/.codex/config.toml

[mcp_servers.student-loan-repayment-assistance-plan-calculator-mcp]
url = "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "student-loan-repayment-assistance-plan-calculator-mcp": {
      "url": "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "student-loan-repayment-assistance-plan-calculator-mcp": {
      "type": "http",
      "url": "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}

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.

calculate

calculate_rap_payment

Calculates the federal student loan Repayment Assistance Plan (RAP) payment created by the One Big Beautiful Bill Act (P.L. 119-21, HEA sec. 455(q)), open since July 1, 2026. Base payment is 1% to 10% of the WHOLE AGI by $10,000 band ($120 a year flat at $10,000 or less, 10% above $100,000), divided by 12, minus $50 per dependent, never below $10. With balance and rate it also shows the first month: interest paid first, unpaid interest waived (interest subsidy), the up-to-$50 principal match, and a constant-income projection to payoff or cancellation after 360 qualifying payments. Copied from the statute text, not model memory.

compare

compare_rap_vs_standard

Compares the new Repayment Assistance Plan with the Tiered Standard plan (P.L. 119-21: 10 years under $25,000, 15 under $50,000, 20 under $100,000, 25 at $100,000 or more) and, for borrowers with no loan made on or after July 1, 2026, the 10-year Standard plan. Returns monthly payment, months, total paid, interest waived, principal match and the amount cancelled after 360 RAP payments, assuming constant income and on-time payments. Names the plan with the lowest monthly payment and the lowest total paid across all plans shown, and says which count for PSLF (RAP and 10-year Standard yes, Tiered Standard no; HEA 455(m)(1)(A)).

federal

get_federal_loan_limits

Returns federal Direct Loan borrowing limits in force on a date. From July 1, 2026 (P.L. 119-21 sec. 81001): Grad PLUS ends for new borrowers; graduate unsubsidized $20,500 a year / $100,000 aggregate; professional $50,000 a year / $200,000 aggregate; Parent PLUS $20,000 a year and $65,000 total per dependent student across all parents; $257,500 lifetime cap; less-than-full-time proration; the interim exception for students enrolled with a loan on June 30, 2026. Undergraduate limits ($5,500-$7,500 dependent, $9,500-$12,500 independent) from the FSA Handbook.

plan

get_plan_transition_dates

Lists the dated steps of the federal student loan repayment overhaul: SAVE ended by court order (March 2026) with 90-day servicer notices from July 1, 2026 plus a final 30-day notice; RAP and the Tiered Standard plan from July 1, 2026; deferment and forbearance limits on loans from July 1, 2027; PAYE and ICR end and remaining borrowers move to RAP or IBR on July 1, 2028; the Parent PLUS consolidation deadline of June 30, 2028. Marks each as past or upcoming against a date and gives the current status of every plan.

Endpoints

URL	Transport	State	Latency	Checked
https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp	streamable-http	answering	163 ms	1 min ago

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Student Loan RAP Calculator — questions

Answers built from our own checks of this server.

What can Student Loan RAP Calculator do?

It exposes 4 tools, read directly from the server on our last check. Among them: calculate_rap_payment, compare_rap_vs_standard, get_federal_loan_limits, get_plan_transition_dates. 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 Student Loan RAP Calculator working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 92 of 92 checks got a reply (100.0%), average response time 218 ms. The bar chart above shows every period we have measured.

How do I connect Student Loan RAP 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 Student Loan RAP Calculator need an API key?

No. Student Loan RAP 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 Student Loan RAP Calculator?

It answers our handshake in 218 ms on average, which is faster than 62% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.

Is Student Loan RAP Calculator 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 student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev, which runs on its operator's own terms.