# Finology Student Loan Calculator (remote · mcp.finology.tech)

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

- Trust score: 79/100 (medium)
- Change this week: +10
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-20

## Components

- remote · `mcp.finology.tech`: 79/100 (this document), [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, [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

- Endpoint: `https://mcp.finology.tech/free`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.4.3`

## 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 2026-09-20.

- **Endpoint Security**: 77/100
  - 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 is configured correctly; the domain's records validate against the full chain to the root.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 70/100
  - AI-judged instruction clarity (excellent).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 53/100
  - Stability observed for 16 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 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.

### Claude

```bash
claude mcp add --transport http tech-finology-student-loan 'https://mcp.finology.tech/free'
```

### Cursor

```json
{
  "mcpServers": {
    "tech-finology-student-loan": {
      "url": "https://mcp.finology.tech/free"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "tech-finology-student-loan": {
      "type": "http",
      "url": "https://mcp.finology.tech/free"
    }
  }
}
```

### Codex

```toml
[mcp_servers.tech-finology-student-loan]
url = "https://mcp.finology.tech/free"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "tech-finology-student-loan": {
      "type": "remote",
      "url": "https://mcp.finology.tech/free",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add tech-finology-student-loan --url 'https://mcp.finology.tech/free' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  tech-finology-student-loan:
    url: "https://mcp.finology.tech/free"
```

### Netclaw

```json
{
  "McpServers": {
    "tech-finology-student-loan": {
      "Transport": "http",
      "Url": "https://mcp.finology.tech/free"
    }
  }
}
```

### Vellum

```bash
assistant mcp add tech-finology-student-loan -t streamable-http -u 'https://mcp.finology.tech/free'
```

### Other

```json
{
  "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.

## 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 79, +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.

### 2026-09-18 (score 78, +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.

### 2026-09-16 (score 77, +7)

- [security improvement] Authorization: unverified → partial
- [cosmetic] 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

### 2026-09-15 (score 70, +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.

### 2026-09-13 (score 69, +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.

### 2026-09-11 (score 68, +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.

### 2026-09-09 (score 67, +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.

### 2026-09-07 (score 66, 0)

- [security] Tool “estimate_rap_monthly_payment” rewrote its description, which is the text the model reads
- [cosmetic] “estimate_rap_monthly_payment” reworded the description of “familySize”
- [cosmetic] “estimate_rap_monthly_payment” dropped the optional parameter “dependents”

## MCP tools (4)

### `compare_married_filing_jointly_vs_separately_student_loans` (~186 tokens)

Compare filing jointly vs separately

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.

Input parameters:

- `balance` (number, required): Current federal loan balance in dollars.
- `borrowerAgi` (number, required): 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, required): Weighted average interest rate as a percentage.
- `spouseAgi` (number, required): Spouse's annual AGI in dollars.

### `finology_service_info` (~101 tokens)

How to go further than the free rung

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.

### `compare_federal_student_loan_repayment_plans` (~273 tokens)

Compare federal repayment plans

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.

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, mfs, hoh.
- `loanType` (string): direct_unsubsidized | direct_subsidized | grad_plus_legacy | parent_plus | direct_consolidation | direct_consolidation_with_plus
- `ratePct` (number, required): 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.

### `estimate_rap_monthly_payment` (~195 tokens)

Estimate a RAP monthly payment

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.

Input parameters:

- `annualIncome` (number, required): 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.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/tech-finology-student-loan/free#diagnostics

## Score history

- 2026-09-20: 79
- 2026-09-19: 78
- 2026-09-18: 78
- 2026-09-17: 77
- 2026-09-16: 77
- 2026-09-15: 70
- 2026-09-14: 69
- 2026-09-13: 69
- 2026-09-12: 68
- 2026-09-11: 68
- 2026-09-10: 67
- 2026-09-09: 67
- 2026-09-08: 66
- 2026-09-07: 66
- 2026-09-06: 66
- 2026-09-05: 65
- 2026-09-04: 65

## 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 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.

## Links

- Remote endpoint: https://mcp.finology.tech/free
- Repository: https://github.com/Finology-tech/finology-mcp
- Website: https://finology.tech/
- Changelog RSS feed: https://verifymcp.io/servers/tech-finology-student-loan/free.xml
- Changelog JSON feed: https://verifymcp.io/servers/tech-finology-student-loan/free.json
- HTML version of this page: https://verifymcp.io/servers/tech-finology-student-loan/free