# StudentLoan.help: federal repayment plan calculator (remote · studentloan.help)

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

- Trust score: 69/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `studentloan.help`: 69/100 (this document), [markdown](https://verifymcp.io/servers/help-studentloan-studentloan-help/studentloan.md), [page](https://verifymcp.io/servers/help-studentloan-studentloan-help/studentloan)

## Channel facts

- Endpoint: `https://studentloan.help/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2026.1101.1`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 55/100
  - AI-judged instruction clarity (good).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 13/100
  - Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 3 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 4 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### 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.

### Claude

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

### Cursor

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

### VS Code

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

### Codex

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

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "help-studentloan-studentloan-help": {
      "type": "remote",
      "url": "https://studentloan.help/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add help-studentloan-studentloan-help --url 'https://studentloan.help/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  help-studentloan-studentloan-help:
    url: "https://studentloan.help/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "help-studentloan-studentloan-help": {
      "Transport": "http",
      "Url": "https://studentloan.help/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add help-studentloan-studentloan-help -t streamable-http -u 'https://studentloan.help/mcp'
```

### Other

```json
{
  "mcpServers": {
    "help-studentloan-studentloan-help": {
      "type": "http",
      "url": "https://studentloan.help/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-04 (score 69, +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.

### 2026-11-03 (score 68, 0)

- [security] The server rewrote its instructions, which are the text every model session reads

### 2026-11-02 (score 68, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-01 (score 68)

First indexed and scored.

## MCP tools (3)

### `compare_repayment_plans` (~503 tokens)

Compare federal student loan 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.

Input parameters:

- `agi` (number, required): 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, required): 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.

### `compare_refinance_offer` (~545 tokens)

Compare a private refinance offer with federal plans

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.

Input parameters:

- `agi` (number, required): 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, required): 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, required): 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.

### `get_plan_rules` (~125 tokens)

Federal repayment plan rules and sources

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.

Input parameters:

- `topic` (string): One of: rap, ibr, standard, tiered_standard, pslf, parent_plus, save_ending, poverty_guidelines. Omit for a one-line summary of each.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/help-studentloan-studentloan-help/studentloan#diagnostics

## Score history

- 2026-11-05: 69
- 2026-11-04: 69
- 2026-11-03: 68
- 2026-11-02: 68
- 2026-11-01: 68

## Common questions

### 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 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://studentloan.help/mcp
- Website: https://studentloan.help/developers/
- Changelog RSS feed: https://verifymcp.io/servers/help-studentloan-studentloan-help/studentloan.xml
- Changelog JSON feed: https://verifymcp.io/servers/help-studentloan-studentloan-help/studentloan.json
- HTML version of this page: https://verifymcp.io/servers/help-studentloan-studentloan-help/studentloan