Finology Student Loan Calculator
REMOTE · MCP.FINOLOGY.TECH · 2 COMPONENTS · SCANNED SEP 20
Free, keyless federal student-loan math: RAP, IBR, ICR, PSLF. Logged+cited tier: verified-engine
Available components
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 Security77
- 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 is configured correctly; the domain's records validate against the full chain to the root. View diagnostics → Pass
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability70
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 755 tokens (~188/item across 4 items; 4 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 Management53
- Stability observed for 16 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 4 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 supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
How do I install the Finology Student Loan Calculator MCP server?
Finology Student Loan Calculator is a hosted endpoint at https://mcp.finology.tech/free, 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 · mcp.finology.tech
claude mcp add --transport http tech-finology-student-loan 'https://mcp.finology.tech/free'
{
"mcpServers": {
"tech-finology-student-loan": {
"url": "https://mcp.finology.tech/free"
}
}
} {
"servers": {
"tech-finology-student-loan": {
"type": "http",
"url": "https://mcp.finology.tech/free"
}
}
} [mcp_servers.tech-finology-student-loan] url = "https://mcp.finology.tech/free"
{
"$schema": "https://opencode.ai/config.json",
"mcp": {
"tech-finology-student-loan": {
"type": "remote",
"url": "https://mcp.finology.tech/free",
"enabled": true
}
}
} openclaw mcp add tech-finology-student-loan --url 'https://mcp.finology.tech/free' --transport streamable-http
mcp_servers:
tech-finology-student-loan:
url: "https://mcp.finology.tech/free" {
"McpServers": {
"tech-finology-student-loan": {
"Transport": "http",
"Url": "https://mcp.finology.tech/free"
}
}
} assistant mcp add tech-finology-student-loan -t streamable-http -u 'https://mcp.finology.tech/free'
{
"mcpServers": {
"tech-finology-student-loan": {
"type": "http",
"url": "https://mcp.finology.tech/free"
}
}
} The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.
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.
- 20 Sept 26 +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.
- 18 Sept 26 +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.
- 16 Sept 26 +7
- Authorization: unverified → partial ▲ security
- Tool “compare_federal_student_loan_repayment_plans” changed its title: Compare federal repayment plans cosmetic
- Tool “compare_married_filing_jointly_vs_separately_student_loans” changed its title: Compare filing jointly vs separately cosmetic
- Tool “estimate_rap_monthly_payment” changed its title: Estimate a RAP monthly payment cosmetic
- Tool “finology_service_info” changed its title: How to go further than the free rung cosmetic
- 15 Sept 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 33 to 37. That category is still filling its 30-day observation window: 10 days of observed history at the previous scan, 11 at this one. The score rises as the window fills, whether or not the server changes.
- 13 Sept 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 27 to 30. That category is still filling its 30-day observation window: 8 days of observed history at the previous scan, 9 at this one. The score rises as the window fills, whether or not the server changes.
- 11 Sept 26 +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.
- 9 Sept 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.
- 7 Sept 26 0
- Tool “estimate_rap_monthly_payment” rewrote its description, which is the text the model reads security
- “estimate_rap_monthly_payment” reworded the description of “familySize” cosmetic
- “estimate_rap_monthly_payment” dropped the optional parameter “dependents” cosmetic
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 20 Sept 2026 · Probed https://mcp.finology.tech/free
TLS valid
Negotiated TLS 1.3 with TLS_AES_256_GCM_SHA384 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=mcp.finology.tech | CN=GeoTrust TLS RSA CA G1,OU=www.digicert.com,O=DigiCert Inc,C=US | 13 Aug 2026 | 13 Feb 2027 | RSA 2048 | SHA256-RSA | 75c53a006752686ef6b8e44762d1320 |
| SANs: mcp.finology.tech | ||||||
| CN=GeoTrust TLS RSA CA G1,OU=www.digicert.com,O=DigiCert Inc,C=US (CA) | CN=DigiCert Global Root G2,OU=www.digicert.com,O=DigiCert Inc,C=US | 2 Nov 2017 | 2 Nov 2027 | RSA 2048 | SHA256-RSA | d07782a133fc6f9a57296e131ffd179 |
Background: What to check on a remote MCP endpoint →
DNSSEC secure
Validation of mcp.finology.tech. — Secure
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| tech. | present | 2185 | 13 | Verified |
| finology.tech. | present | 35668, 47707 | 13, 13 | Verified |
| mcp.finology.tech. | Verified address RRset verified with the apex keys |
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://mcp.finology.tech/free | Verified | 200 | |
| http (plaintext) | http://mcp.finology.tech/free | HTTPS enforced | 301 | https://mcp.finology.tech/free |
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_federal_student_loan_repayment_plans Compare federal repayment plans ~273
Compare every federal repayment plan a loan can elect (Standard, RAP, IBR, PAYE, ICR) on the current federal rules: monthly payment, lifetime cost, forgiveness timing and the estimated tax on forgiven balances. Plans the loan cannot elect are listed with the reason. For Parent PLUS it also runs the consolidation path unprompted, because that is the number that decides. loanType drives PLAN ELIGIBILITY, not just the rate: choose accurately.
| Name | Type | Req | Description |
|---|---|---|---|
| balance | number | yes | Current federal loan balance in dollars. |
| borrowerAgi | number | yes | 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, mfs, hoh. |
| loanType | string | – | direct_unsubsidized | direct_subsidized | grad_plus_legacy | parent_plus | direct_consolidation | direct_consolidation_with_plus |
| ratePct | number | yes | Weighted average interest rate as a percentage, e.g. 6.54 for 6.54%. |
| spouseAgi | number|null | – | Spouse's annual AGI. Only used when filingStatus is mfj. |
No output schema declared.
No examples provided.
compare_married_filing_jointly_vs_separately_student_loans Compare filing jointly vs separately ~186
Run the same federal loan book filing jointly and filing separately and report the swing in the best income-driven plan's payment and lifetime cost. LOAN SIDE ONLY: the tax cost of filing separately is not modelled and the answer says so.
| Name | Type | Req | Description |
|---|---|---|---|
| balance | number | yes | Current federal loan balance in dollars. |
| borrowerAgi | number | yes | Borrower's annual AGI in dollars. |
| dependents | integer | – | Qualifying dependents. A spouse is NOT a dependent. |
| loanType | string | – | direct_unsubsidized | direct_subsidized | grad_plus_legacy | parent_plus | direct_consolidation | direct_consolidation_with_plus |
| ratePct | number | yes | Weighted average interest rate as a percentage. |
| spouseAgi | number | yes | Spouse's annual AGI in dollars. |
No output schema declared.
No examples provided.
estimate_rap_monthly_payment Estimate a RAP monthly payment ~195
Estimate the RAP (Repayment Assistance Plan) monthly payment from income, filing status and household size, on the current federal rules. RAP payment only: not a comparison and no forgiveness projection; use the plan comparison tool for that.
| Name | Type | Req | Description |
|---|---|---|---|
| annualIncome | number | yes | Borrower's annual adjusted gross income in dollars. |
| familySize | integer | – | Household size: the borrower, PLUS the spouse when filing jointly, PLUS dependents. 1 = borrower only; a joint filer with two children is 4. RAP's $50 deduction is per QUALIFYING DEPENDENT, which is… |
| filingStatus | string | – | Single | MarriedFilingJointly | MarriedFilingSeparately | HeadOfHousehold |
| spouseAnnualIncome | number|null | – | Spouse's annual AGI, counted only when filing jointly. |
No output schema declared.
No examples provided.
finology_service_info How to go further than the free rung ~101
How to go further than this free rung, in structured form: the self-serve paths for an advisor (app trial) and for a developer or operator (instant sandbox key, keyed MCP and REST endpoints, auth header), 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.
Input schema present but exposes no named parameters.
No output schema declared.
No examples provided.
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 hosted endpoint (https://mcp.finology.tech/free).
Is the Finology Student Loan Calculator MCP server safe to use?
Finology Student Loan Calculator scores 79 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 Finology Student Loan Calculator MCP server expose?
Finology Student Loan Calculator exposes 4 tools: compare_married_filing_jointly_vs_separately_student_loans, finology_service_info, compare_federal_student_loan_repayment_plans, estimate_rap_monthly_payment. Their descriptions and schemas cost roughly 755 tokens of context every time the server is loaded.
Does the Finology Student Loan Calculator MCP server require authentication?
No. We connected to Finology Student Loan Calculator without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
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 20 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.