Student Loan RAP Calculator
REMOTE · STUDENT-LOAN-REPAYMENT-ASSISTANCE-PLAN-CALCULATOR-MCP.LIPMICHAL.WORKERS.DEV
Student loan RAP payment calculator, 2026 federal loan limits, SAVE/PAYE/ICR end dates (OBBBA).
Last scanned (5 hours ago)
Scores higher than 52% of remote servers
Reachable. Last reached 5 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 Security63
- 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 enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement. View diagnostics → Unverified
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability65
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 971 tokens (~242/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 Management10
- Stability observed for 3 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
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.
- 4 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.
- 3 Nov 26 0
- Tool “compare_rap_vs_standard” rewrote its description, which is the text the model reads security
- Stability: unverified → 0.03 ▲ functional
- Server version: 1.0.0 → 1.0.1 functional
- 2 Nov 26 65
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 5 Nov 2026 · Probed https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=lipmichal.workers.dev | CN=WE1,O=Google Trust Services,C=US | 2 Oct 2026 | 31 Dec 2026 | ECDSA 256 | ECDSA-SHA256 | ebf145553d5751d20e0d3cd51e3d7a94 |
| SANs: lipmichal.workers.dev, *.lipmichal.workers.dev | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| dev. | present | 60074 | 8 | Verified |
| workers.dev. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
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://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp | Verified | 200 | |
| http (plaintext) | http://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp | Inconclusive | 405 |
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 →
calculate_rap_payment Repayment Assistance Plan (RAP) monthly payment ~269
Calculates the federal student loan Repayment Assistance Plan (RAP) payment created by the One Big Beautiful Bill Act (P.L. 119-21, HEA sec. 455(q)), open since July 1, 2026. Base payment is 1% to 10% of the WHOLE AGI by $10,000 band ($120 a year flat at $10,000 or less, 10% above $100,000), divided by 12, minus $50 per dependent, never below $10. With balance and rate it also shows the first month: interest paid first, unpaid interest waived (interest subsidy), the up-to-$50 principal match, and a constant-income projection to payoff or cancellation after 360 qualifying payments. Copied from the statute text, not model memory.
| Name | Type | Req | Description |
|---|---|---|---|
| agi | number | yes | Adjusted gross income in dollars from the most recent tax return (borrower plus spouse, unless married filing separately). |
| balance | number | – | Total RAP-eligible Direct Loan balance in dollars (optional). |
| dependents | integer | – | Number of IRC sec. 152 dependents claimed. Default 0. |
| rate | number | – | Weighted annual interest rate in percent, for example 6.53. Required with balance. |
No output schema declared.
No examples provided.
compare_rap_vs_standard Compare RAP with the Tiered Standard and 10-year Standard plans ~312
Compares the new Repayment Assistance Plan with the Tiered Standard plan (P.L. 119-21: 10 years under $25,000, 15 under $50,000, 20 under $100,000, 25 at $100,000 or more) and, for borrowers with no loan made on or after July 1, 2026, the 10-year Standard plan. Returns monthly payment, months, total paid, interest waived, principal match and the amount cancelled after 360 RAP payments, assuming constant income and on-time payments. Names the plan with the lowest monthly payment and the lowest total paid across all plans shown, and says which count for PSLF (RAP and 10-year Standard yes, Tiered Standard no; HEA 455(m)(1)(A)).
| Name | Type | Req | Description |
|---|---|---|---|
| agi | number | yes | Adjusted gross income in dollars from the most recent tax return (borrower plus spouse, unless married filing separately). |
| balance | number | yes | Total Direct Loan principal in dollars. |
| dependents | integer | – | Number of IRC sec. 152 dependents claimed. Default 0. |
| has_loan_on_or_after_2026_07_01 | boolean | – | True if any Direct Loan (including a consolidation loan) was made on or after July 1, 2026. Then the old 10-year Standard plan is not available. Default false. |
| rate | number | yes | Weighted annual interest rate in percent. |
No output schema declared.
No examples provided.
get_federal_loan_limits Federal student loan limits before and after July 1, 2026 ~218
Returns federal Direct Loan borrowing limits in force on a date. From July 1, 2026 (P.L. 119-21 sec. 81001): Grad PLUS ends for new borrowers; graduate unsubsidized $20,500 a year / $100,000 aggregate; professional $50,000 a year / $200,000 aggregate; Parent PLUS $20,000 a year and $65,000 total per dependent student across all parents; $257,500 lifetime cap; less-than-full-time proration; the interim exception for students enrolled with a loan on June 30, 2026. Undergraduate limits ($5,500-$7,500 dependent, $9,500-$12,500 independent) from the FSA Handbook.
| Name | Type | Req | Description |
|---|---|---|---|
| borrower_type | string | – | dependent_undergraduate, independent_undergraduate, graduate, professional, parent_plus or all (default). |
| date | string | – | Date the period of instruction begins, YYYY-MM-DD. Default today (2026-11-02). |
No output schema declared.
No examples provided.
get_plan_transition_dates SAVE, PAYE, ICR and RAP transition dates ~172
Lists the dated steps of the federal student loan repayment overhaul: SAVE ended by court order (March 2026) with 90-day servicer notices from July 1, 2026 plus a final 30-day notice; RAP and the Tiered Standard plan from July 1, 2026; deferment and forbearance limits on loans from July 1, 2027; PAYE and ICR end and remaining borrowers move to RAP or IBR on July 1, 2028; the Parent PLUS consolidation deadline of June 30, 2028. Marks each as past or upcoming against a date and gives the current status of every plan.
| Name | Type | Req | Description |
|---|---|---|---|
| on_date | string | – | Reference date YYYY-MM-DD for past/upcoming. Default 2026-11-02. |
No output schema declared.
No examples provided.
How do I install the Student Loan RAP Calculator MCP server?
Student Loan RAP Calculator is a hosted endpoint at https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/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.
remote · student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev
claude mcp add --transport http theluckystrike-student-loan-repayment-assistance 'https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp'
What is the Student Loan RAP Calculator MCP server?
Student Loan RAP Calculator is an MCP server listed in the public MCP registry as io.github.theluckystrike/student-loan-repayment-assistance…. Student loan RAP payment calculator, 2026 federal loan limits, SAVE/PAYE/ICR end dates (OBBBA). This page covers its hosted endpoint (https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp).
Is the Student Loan RAP Calculator MCP server safe to use?
Student Loan RAP Calculator scores 66 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 Student Loan RAP Calculator MCP server expose?
Student Loan RAP Calculator exposes 4 tools: calculate_rap_payment, compare_rap_vs_standard, get_federal_loan_limits, get_plan_transition_dates. Their descriptions and schemas cost roughly 971 tokens of context every time the server is loaded.
Does the Student Loan RAP Calculator MCP server require authentication?
No. We connected to Student Loan RAP Calculator without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Student Loan RAP Calculator MCP server still maintained?
Student Loan RAP 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.