Finology Software for Borrowers
REMOTE · MCP.FINOLOGY.TECH · 2 COMPONENTS
For borrowers: payments on every federal plan, RAP to PSLF. Free login, 5 questions, no credit card
Available components
Last scanned (22 hours ago)
Scores higher than 35% 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 Security97
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- The endpoint enforces authorisation, advertised via RFC 9728 protected-resource metadata. View diagnostics → Pass
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC is configured correctly; the domain's records validate against the full chain to the root. View diagnostics → Pass
- The authorisation server offers only Dynamic Client Registration (RFC 7591), which MCP 2026-07-28 deprecated in favour of Client ID Metadata Documents. View diagnostics → Partial
Transport & Reachability0
- Transport blocked by authentication: the endpoint requires auth we don't have to verify streamable-http. See how to fix → View diagnostics → Unverified
Schema Quality & AI Usability0
- Schema blocked by authentication: the endpoint requires auth we don't have to read it. See how to fix → Unverified
Stability & Change Management0
- Stability not yet verified: not enough scan history yet (needs a 30-day window).Unverified
Tool Coverage0
- Tool coverage blocked by authentication: the endpoint requires auth we don't have to read its tools.Unverified
Tool Safety0
- Tool safety blocked by authentication: the endpoint requires auth we don't have to read its tools.Unverified
Capabilities0
- Capabilities blocked by authentication: the endpoint requires auth we don't have to read them. See how to fix → Unverified
Unverified: 6 categories
Categories scored 0 because we could not verify them: authentication we do not have, an unreachable endpoint, or not enough scan history. We only credit what we can confirm. Claim this server and supply a read-only token to verify it and lift the score.
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.
- 15 Oct 26 +3
- HSTS header: fail → pass ▲ security
- 30 Sept 26 0
- Endpoint reachability: reachable → behind authorisation ▼ security
- Tool safety: pass → unverified ▼ security
- Stability: 0.83 → unverified ▼ security
- Transport: pass → unverified ▼ security
- Authorization: partial → pass ▲ security
- First check of Authorization: partial security
- Capabilities: pass → unverified ▼ functional
- Tool coverage: 100 → unverified ▼ functional
- First check of Schema quality: unverified functional
- 28 Sept 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 25 Sept 26 0
- We updated how we score, so this day's move reflects our rubric, not a change to the server See what changed → functional
- 16 Sept 26 0
- 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
- 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
- 5 Sept 26 0
- Stability: unverified → 0.03 ▲ functional
- 4 Sept 26 0
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://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 Enforced and verified
The endpoint asked for a token and published valid RFC 9728 metadata describing how to get one.
| Result | Enforced and verified |
|---|---|
| Enforced | On connection |
| HTTP status | 401 |
WWW-Authenticate challenge Bearer resource_metadata="https://mcp.finology.tech/.well-known/oauth-protected-resource/free"
Bearer resource_metadata="https://mcp.finology.tech/.well-known/oauth-protected-resource/free"| Header | Value |
|---|---|
| strict-transport-security | max-age=31536000 |
| www-authenticate | Bearer resource_metadata="https://mcp.finology.tech/.well-known/oauth-protected-resource/free" |
Protected resource metadata
| Document | https://mcp.finology.tech/.well-known/oauth-protected-resource/free |
|---|---|
| Retrieved | Yes |
| Resource | https://mcp.finology.tech/free |
| Authorisation server | https://identity.finology.tech |
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 | Auth required | 401 | |
| 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.
How do I install the Finology Software for Borrowers MCP server?
Finology Software for Borrowers 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'
What is the Finology Software for Borrowers MCP server?
Finology Software for Borrowers is an MCP server listed in the public MCP registry as tech.finology/student-loan. For borrowers: payments on every federal plan, RAP to PSLF. Free login, 5 questions, no credit card. This page covers its hosted endpoint (https://mcp.finology.tech/free).
Is the Finology Software for Borrowers MCP server safe to use?
Finology Software for Borrowers scores 39 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 Software for Borrowers MCP server expose?
Finology Software for Borrowers 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 Software for Borrowers MCP server require authentication?
Yes. Finology Software for Borrowers asked us for credentials when we connected, so you will need to authorise it in your MCP client before it can do anything.
Is the Finology Software for Borrowers MCP server still maintained?
Finology Software for Borrowers 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.