# 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).

- Trust score: 66/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev`: 66/100 (this document), [markdown](https://verifymcp.io/servers/theluckystrike-student-loan-repayment-assistance-plan-calculator-mcp/student-loan-repayment-assistance-plan-calculator-mcp.md), [page](https://verifymcp.io/servers/theluckystrike-student-loan-repayment-assistance-plan-calculator-mcp/student-loan-repayment-assistance-plan-calculator-mcp)

## Channel facts

- Endpoint: `https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.1`

## 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 2026-11-05.

- **Endpoint Security**: 63/100
  - 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 enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 65/100
  - AI-judged instruction clarity (excellent).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 10/100
  - Stability observed for 3 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 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.

### Claude

```bash
claude mcp add --transport http theluckystrike-student-loan-repayment-assistance 'https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "theluckystrike-student-loan-repayment-assistance": {
      "url": "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "theluckystrike-student-loan-repayment-assistance": {
      "type": "http",
      "url": "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.theluckystrike-student-loan-repayment-assistance]
url = "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "theluckystrike-student-loan-repayment-assistance": {
      "type": "remote",
      "url": "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add theluckystrike-student-loan-repayment-assistance --url 'https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  theluckystrike-student-loan-repayment-assistance:
    url: "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "theluckystrike-student-loan-repayment-assistance": {
      "Transport": "http",
      "Url": "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add theluckystrike-student-loan-repayment-assistance -t streamable-http -u 'https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp'
```

### Other

```json
{
  "mcpServers": {
    "theluckystrike-student-loan-repayment-assistance": {
      "type": "http",
      "url": "https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp"
    }
  }
}
```

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.

### 2026-11-04 (score 66, +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.

### 2026-11-03 (score 65, 0)

- [security] Tool “compare_rap_vs_standard” rewrote its description, which is the text the model reads
- [functional improvement] Stability: unverified → 0.03
- [functional] Server version: 1.0.0 → 1.0.1

### 2026-11-02 (score 65)

First indexed and scored.

## MCP tools (4)

### `calculate_rap_payment` (~269 tokens)

Repayment Assistance Plan (RAP) monthly payment

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.

Input parameters:

- `agi` (number, required): 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.

### `compare_rap_vs_standard` (~312 tokens)

Compare RAP with the Tiered Standard and 10-year Standard plans

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)).

Input parameters:

- `agi` (number, required): Adjusted gross income in dollars from the most recent tax return (borrower plus spouse, unless married filing separately).
- `balance` (number, required): 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, required): Weighted annual interest rate in percent.

### `get_federal_loan_limits` (~218 tokens)

Federal student loan limits before and after July 1, 2026

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.

Input parameters:

- `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).

### `get_plan_transition_dates` (~172 tokens)

SAVE, PAYE, ICR and RAP transition dates

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.

Input parameters:

- `on_date` (string): Reference date YYYY-MM-DD for past/upcoming. Default 2026-11-02.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/theluckystrike-student-loan-repayment-assistance-plan-calculator-mcp/student-loan-repayment-assistance-plan-calculator-mcp#diagnostics

## Score history

- 2026-11-05: 66
- 2026-11-04: 66
- 2026-11-03: 65
- 2026-11-02: 65

## Common questions

### 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.

## Links

- Remote endpoint: https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp
- Repository: https://github.com/theluckystrike/student-loan-repayment-assistance-plan-calculator-mcp
- Changelog RSS feed: https://verifymcp.io/servers/theluckystrike-student-loan-repayment-assistance-plan-calculator-mcp/student-loan-repayment-assistance-plan-calculator-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/theluckystrike-student-loan-repayment-assistance-plan-calculator-mcp/student-loan-repayment-assistance-plan-calculator-mcp.json
- HTML version of this page: https://verifymcp.io/servers/theluckystrike-student-loan-repayment-assistance-plan-calculator-mcp/student-loan-repayment-assistance-plan-calculator-mcp