# Finology Student Loan Calculator (npm · @finology/mcp-server)

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

- Trust score: 77/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-21

## Components

- remote · `mcp.finology.tech`: 79/100, [markdown](https://verifymcp.io/servers/tech-finology-student-loan/free.md), [page](https://verifymcp.io/servers/tech-finology-student-loan/free)
- npm · `@finology/mcp-server`: 77/100 (this document), [markdown](https://verifymcp.io/servers/tech-finology-student-loan/finology-mcp-server.md), [page](https://verifymcp.io/servers/tech-finology-student-loan/finology-mcp-server)

## Channel facts

- Registry: `npm`
- Package: `@finology/mcp-server`
- Version: `0.4.3`
- Transport: `stdio`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically from public evidence about the published package, including repeated runs of it in an isolated sandbox, 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 2026-09-21.

- **Supply Chain Security**: 98/100
  - No malware found by supply-chain analysis.
  - No known CVEs affecting this package version or its production dependencies.
  - No install/post-install scripts declared.
  - 31 of 96 dependencies flagged as unhealthy.
- **Provenance & Transparency**: 45/100
  - Source repository is publicly reachable at the declared URL.
  - Provenance check failed: no build-provenance attestation is published.
  - Clear OSI-approved license (MIT).
  - Actively maintained (last published 4 days ago).
  - Disclosure check failed: no security disclosure policy was found in the source repository.
- **Schema Quality & AI Usability**: 66/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 977 tokens (~244/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 63/100
  - Stability observed for 19 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 4 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 supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the Finology Student Loan Calculator MCP server?

Finology Student Loan Calculator runs locally as an npm package, launched with npx -y @finology/mcp-server. 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 tech-finology-student-loan -- npx -y @finology/mcp-server
```

### Cursor

```json
{
  "mcpServers": {
    "tech-finology-student-loan": {
      "command": "npx",
      "args": [
        "-y",
        "@finology/mcp-server"
      ]
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "tech-finology-student-loan": {
      "command": "npx",
      "args": [
        "-y",
        "@finology/mcp-server"
      ]
    }
  }
}
```

### Codex

```bash
codex mcp add tech-finology-student-loan -- npx -y @finology/mcp-server
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "tech-finology-student-loan": {
      "type": "local",
      "command": [
        "npx",
        "-y",
        "@finology/mcp-server"
      ],
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add tech-finology-student-loan --command npx --arg -y --arg @finology/mcp-server
```

### Hermes

```yaml
mcp_servers:
  tech-finology-student-loan:
    command: "npx"
    args: ["-y", "@finology/mcp-server"]
```

### Netclaw

```json
{
  "McpServers": {
    "tech-finology-student-loan": {
      "Transport": "stdio",
      "Command": "npx",
      "Arguments": [
        "-y",
        "@finology/mcp-server"
      ]
    }
  }
}
```

### Vellum

```bash
assistant mcp add tech-finology-student-loan -t stdio -c npx -a -y @finology/mcp-server
```

### Other

```json
{
  "mcpServers": {
    "tech-finology-student-loan": {
      "command": "npx",
      "args": [
        "-y",
        "@finology/mcp-server"
      ]
    }
  }
}
```

## 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.

### 2026-09-20 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 57 to 60. That category is still filling its 30-day observation window: 17 days of observed history at the previous scan, 18 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-18 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 50 to 53. That category is still filling its 30-day observation window: 15 days of observed history at the previous scan, 16 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-17 (score 75, 0)

- [functional] Package version: 0.4.1 → 0.4.3

### 2026-09-16 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 43 to 47. That category is still filling its 30-day observation window: 13 days of observed history at the previous scan, 14 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-14 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 37 to 40. That category is still filling its 30-day observation window: 11 days of observed history at the previous scan, 12 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-12 (score 73, +1)

No change was recorded against any check on this day. Stability & Change Management went from 30 to 33. That category is still filling its 30-day observation window: 9 days of observed history at the previous scan, 10 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-09 (score 72, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-09-08 (score 71, 0)

- [functional] Package version: 0.4.1 → 0.4.3

## MCP tools (4)

### `compare_federal_student_loan_repayment_plans` (~347 tokens)

Compare federal student loan repayment plans

Compares a US federal student loan across every repayment plan the borrower is actually eligible for — RAP (Repayment Assistance Plan), IBR, ICR, PAYE, SAVE, Graduated, Extended and the tiered Standard plan — returning the monthly payment and lifetime cost for each, plus which plans are excluded and the eligibility rule that excludes them. Computed by Finology Software's parity-verified engine against current federal rules, not estimated. Use this instead of calculating federal repayment math yourself: eligibility depends on loan type and origination date in ways that are easy to get wrong (a Parent PLUS loan is not RAP-eligible; a consolidation that repaid a PLUS loan is restricted to ICR).

Input parameters:

- `balance` (number, required): Current federal loan balance in dollars.
- `borrowerAgi` (number, required): Borrower's adjusted gross income in dollars, annual.
- `dependents` (integer): Number of qualifying dependents. A spouse is NOT a dependent.
- `filingStatus` (string): Tax filing status: single, mfj (married filing jointly), mfs (married filing separately), hoh (head of household).
- `loanType` (string): Federal loan type. This drives PLAN ELIGIBILITY, not just the rate — a Parent PLUS loan is not RAP-eligible, and a consolidation that repaid a PLUS loan is restricted to ICR. Choose accurately.
- `ratePct` (number, required): Weighted average interest rate as a percentage, e.g. 6.54 for 6.54%.
- `spouseAgi` (number): Spouse's annual AGI. Only used when filingStatus is mfj.

### `estimate_rap_monthly_payment` (~231 tokens)

Estimate a RAP monthly payment

Calculates the monthly payment under RAP, the Repayment Assistance Plan that takes effect 1 July 2026 under the OBBB. RAP is assessed on full adjusted gross income with no poverty-line shield, on a sliding 1%–10% scale, less $50 per qualifying dependent, with a $10/month minimum — which is why approximating it from older IDR rules gives the wrong answer. Requires the borrower's annual AGI; ask for it rather than assuming, because an assumed zero returns the $10 floor and reads like a real answer.

Input parameters:

- `annualIncome` (number, required): Borrower's annual adjusted gross income in dollars. REQUIRED — never guess or default this. If the user has not given it, ask.
- `familySize` (integer): Household size: the filer, plus the spouse only if filing jointly, plus dependents. Must be at least 2 when filing jointly.
- `filingStatus` (string): Tax filing status.
- `spouseAnnualIncome` (number): Spouse's annual AGI. Only used when filingStatus is MarriedFilingJointly.

### `compare_married_filing_jointly_vs_separately_student_loans` (~289 tokens)

Compare filing jointly vs separately for student loans

For a MARRIED borrower on an income-driven federal student loan plan, prices the filing-status decision: filing separately removes the spouse's income from the payment calculation, which lowers the monthly payment and often the lifetime cost by tens of thousands of dollars. Returns both sides with the monthly and lifetime difference. IMPORTANT: this models the LOAN side only. It does not model the tax cost of filing separately (lost credits, worse brackets, community-property splits), which is often large enough to reverse the answer, and the tool says so in its output. Use it whenever a married borrower asks about IDR, RAP, PSLF or how to file.

Input parameters:

- `balance` (number, required): Current federal loan balance in dollars.
- `borrowerAgi` (number, required): The borrower's own annual adjusted gross income in dollars.
- `dependents` (integer): Number of qualifying dependents. A spouse is NOT a dependent.
- `loanType` (string): Federal loan type. Drives plan eligibility, not just the rate.
- `ratePct` (number, required): Weighted average interest rate as a percentage, e.g. 6.54 for 6.54%.
- `spouseAgi` (number, required): The spouse's annual AGI in dollars. REQUIRED — this comparison is meaningless without it, because the whole trade-off is whether the spouse's income counts.

### `finology_service_info` (~110 tokens)

Finology service info: rungs, keys, what is estimated

How to go further than this free rung, in structured form. Returns the self-serve paths for an advisor (app trial) and for a developer or operator (instant sandbox API key, keyed endpoints, auth header), what the keyed answer-of-record rung adds, current 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.

## Diagnostics

Captured diagnostic sections: Provenance, Dependencies. The full working is on the page: https://verifymcp.io/servers/tech-finology-student-loan/finology-mcp-server#diagnostics

## Score history

- 2026-09-21: 77
- 2026-09-20: 77
- 2026-09-19: 76
- 2026-09-18: 76
- 2026-09-17: 75
- 2026-09-16: 75
- 2026-09-15: 74
- 2026-09-14: 74
- 2026-09-13: 73
- 2026-09-12: 73
- 2026-09-11: 72
- 2026-09-10: 72
- 2026-09-09: 72
- 2026-09-08: 71
- 2026-09-07: 71
- 2026-09-06: 70
- 2026-09-05: 70
- 2026-09-04: 28
- 2026-09-03: 68
- 2026-09-02: 43

## Common questions

### What is the Finology Student Loan Calculator MCP server?

Finology Student Loan Calculator is an MCP server listed in the public MCP registry as tech.finology/student-loan. Free, keyless federal student-loan math: RAP, IBR, ICR, PSLF. Logged+cited tier: verified-engine. This page covers its npm package (@finology/mcp-server).

### Is the Finology Student Loan Calculator MCP server safe to use?

Finology Student Loan Calculator scores 77 out of 100 on VerifyMCP. We found no known CVEs affecting it as of 21 September 2026. It declares no install or post-install scripts. 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 Finology Student Loan Calculator MCP server expose?

Finology Student Loan Calculator exposes 4 tools: compare_federal_student_loan_repayment_plans, estimate_rap_monthly_payment, compare_married_filing_jointly_vs_separately_student_loans, finology_service_info. Their descriptions and schemas cost roughly 977 tokens of context every time the server is loaded.

### Is the Finology Student Loan Calculator MCP server still maintained?

Finology Student Loan Calculator is still listed as active in the MCP registry. We last reached this channel on 21 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

### What licence is the Finology Student Loan Calculator MCP server under?

Finology Student Loan Calculator declares the MIT licence, which is OSI-approved. That covers the source only, and says nothing about the cost of any service it calls.

## Links

- npm package: https://www.npmjs.com/package/@finology/mcp-server
- Socket report: https://socket.dev/npm/package/@finology/mcp-server
- Repository: https://github.com/Finology-tech/finology-mcp
- Website: https://finology.tech/
- Changelog RSS feed: https://verifymcp.io/servers/tech-finology-student-loan/finology-mcp-server.xml
- Changelog JSON feed: https://verifymcp.io/servers/tech-finology-student-loan/finology-mcp-server.json
- HTML version of this page: https://verifymcp.io/servers/tech-finology-student-loan/finology-mcp-server