StudentLoan.help: federal repayment plan calculator
REMOTE · STUDENTLOAN.HELP
Federal student loan repayment estimates: RAP, IBR, Standard, Tiered Standard, PSLF, refinance.
Available components
Last scanned (23 hours ago)
Scores higher than 54% of remote servers
Reachable. Last reached 4 Nov 2026.
Category Finance and Payments
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security74
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability55
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1431 tokens (~477/item across 3 items; 3 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management10
- Stability observed for 3 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 3 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 4 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.
- 3 Nov 26 0
- The server rewrote its instructions, which are the text every model session reads security
- 2 Nov 26 0
- Stability: unverified → 0.03 ▲ functional
- 1 Nov 26 68
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 4 Nov 2026 · Probed https://studentloan.help/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=studentloan.help | CN=WE1,O=Google Trust Services,C=US | 24 Oct 2026 | 22 Jan 2027 | ECDSA 256 | ECDSA-SHA256 | 58c14f9f01fd8b3913b8056b4be89615 |
| SANs: studentloan.help | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of studentloan.help. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| help. | present | 10505, 58472 | 13, 13 | Verified |
| studentloan.help. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://studentloan.help/mcp | Verified | 200 | |
| http (plaintext) | http://studentloan.help/mcp | HTTPS enforced | 301 | https://studentloan.help/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
compare_refinance_offer Compare a private refinance offer with federal plans ~545
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.
| Name | Type | Req | Description |
|---|---|---|---|
| agi | number | yes | Borrower's adjusted gross income in dollars per year. |
| dependents | integer | – | Dependents claimed; RAP subtracts $50 a month for each. |
| employer | string | – | for_profit (or self-employed), government, nonprofit_501c3 or nonprofit_other. Government and 501(c)(3) add the PSLF projection. |
| filing_status | string | – | single (or head of household), married_joint or married_separate. |
| full_time | boolean | – | Works at least 30 hours a week for a qualifying employer (needed for PSLF). |
| household_size | integer | – | Household size (borrower, spouse, dependents); sets the poverty line for IBR. |
| income_growth_pct | number | – | Assumed yearly income growth in percent (calculator default 3). |
| loan_dates | string | – | owed_before_2014_07_01 (IBR at 15%), first_loan_2014_to_2026 (IBR at 10%), or loan_on_or_after_2026_07_01 (only RAP and Tiered Standard). |
| loans | array | yes | Each loan: type, balance in dollars and annual interest rate in percent, e.g. [{"type":"direct","balance":38000,"rate_pct":6.39}]. Direct includes Grad PLUS and Direct Consolidation loans. |
| offered_apr_pct | number | yes | APR the lender actually offered, in percent, e.g. 5.5. |
| poverty_growth_pct | number | – | Assumed yearly poverty guideline growth in percent (calculator default 2.5). |
| pslf_payments_made | integer | – | PSLF qualifying payments already counted, 0 to 120. |
| refinance | string | – | everything (federal and private) or private_only. |
| region | string | – | Poverty guideline region: contiguous_48_or_dc, alaska or hawaii. |
| spouse_agi | number | – | Spouse's AGI in dollars; counted only when married_joint. |
| spouse_federal_loan_balance | number | – | Spouse's federal loan balance; prorates the payment when married_joint. |
| term_years | integer | – | Refinance term in years: 5, 7, 10, 15 or 20. |
No output schema declared.
No examples provided.
compare_repayment_plans Compare federal student loan repayment plans ~503
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.
| Name | Type | Req | Description |
|---|---|---|---|
| agi | number | yes | Borrower's adjusted gross income in dollars per year. |
| dependents | integer | – | Dependents claimed; RAP subtracts $50 a month for each. |
| employer | string | – | for_profit (or self-employed), government, nonprofit_501c3 or nonprofit_other. Government and 501(c)(3) add the PSLF projection. |
| filing_status | string | – | single (or head of household), married_joint or married_separate. |
| full_time | boolean | – | Works at least 30 hours a week for a qualifying employer (needed for PSLF). |
| household_size | integer | – | Household size (borrower, spouse, dependents); sets the poverty line for IBR. |
| income_growth_pct | number | – | Assumed yearly income growth in percent (calculator default 3). |
| loan_dates | string | – | owed_before_2014_07_01 (IBR at 15%), first_loan_2014_to_2026 (IBR at 10%), or loan_on_or_after_2026_07_01 (only RAP and Tiered Standard). |
| loans | array | yes | Each loan: type, balance in dollars and annual interest rate in percent, e.g. [{"type":"direct","balance":38000,"rate_pct":6.39}]. Direct includes Grad PLUS and Direct Consolidation loans. |
| poverty_growth_pct | number | – | Assumed yearly poverty guideline growth in percent (calculator default 2.5). |
| pslf_payments_made | integer | – | PSLF qualifying payments already counted, 0 to 120. |
| region | string | – | Poverty guideline region: contiguous_48_or_dc, alaska or hawaii. |
| spouse_agi | number | – | Spouse's AGI in dollars; counted only when married_joint. |
| spouse_federal_loan_balance | number | – | Spouse's federal loan balance; prorates the payment when married_joint. |
No output schema declared.
No examples provided.
get_plan_rules Federal repayment plan rules and sources ~125
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.
| Name | Type | Req | Description |
|---|---|---|---|
| topic | string | – | One of: rap, ibr, standard, tiered_standard, pslf, parent_plus, save_ending, poverty_guidelines. Omit for a one-line summary of each. |
No output schema declared.
No examples provided.
How do I install the StudentLoan.help: federal repayment plan calculator MCP server?
StudentLoan.help: federal repayment plan calculator is a hosted endpoint at https://studentloan.help/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · studentloan.help
claude mcp add --transport http help-studentloan-studentloan-help 'https://studentloan.help/mcp'
What is the StudentLoan.help: federal repayment plan calculator MCP server?
StudentLoan.help: federal repayment plan calculator is an MCP server listed in the public MCP registry as help.studentloan/studentloan-help. Federal student loan repayment estimates: RAP, IBR, Standard, Tiered Standard, PSLF, refinance. This page covers its hosted endpoint (https://studentloan.help/mcp).
Is the StudentLoan.help: federal repayment plan calculator MCP server safe to use?
StudentLoan.help: federal repayment plan calculator scores 69 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the StudentLoan.help: federal repayment plan calculator MCP server expose?
StudentLoan.help: federal repayment plan calculator exposes 3 tools: compare_repayment_plans, compare_refinance_offer, get_plan_rules. Their descriptions and schemas cost roughly 1,173 tokens of context every time the server is loaded.
Does the StudentLoan.help: federal repayment plan calculator MCP server require authentication?
No. We connected to StudentLoan.help: federal repayment plan calculator without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the StudentLoan.help: federal repayment plan calculator MCP server still maintained?
StudentLoan.help: federal repayment plan calculator is still listed as active in the MCP registry. We last reached this channel on 4 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.