{
  "markdown": "# Finology MCP Server — deterministic federal student loan math for AI agents\n\n**Language models guess at federal student loan rules. This doesn't.**\n\n`@finology/mcp-server` connects Claude, Cursor, or any MCP client directly to\n[Finology Software](https://finology.tech)'s parity-verified federal repayment engine. Every\nnumber is computed server-side against current federal rules and returned with a\n`parityVerified` flag. No formulas are approximated, and none are hardcoded into this package.\n\n## Why this exists\n\nFederal repayment eligibility is not arithmetic, it is regulation, and it is the part models get\nwrong most confidently:\n\n- **A Parent PLUS loan is not RAP-eligible.** Ask a model for the best plan on a Parent PLUS\n  balance and it will usually produce a RAP payment. This server returns the exclusion and the\n  rule behind it.\n- **RAP is assessed on full AGI with no poverty-line shield**, on a sliding 1%–10% scale, less\n  $50 per *qualifying dependent* — and a spouse is not a dependent. Approximating it from older\n  IDR formulas gives the wrong answer.\n- **A consolidation that repaid a PLUS loan is restricted to ICR.**\n- **PAYE and SAVE are closed to new enrollment.**\n\n## Tools\n\n### `compare_federal_student_loan_repayment_plans`\n\nCompares a balance across every plan the borrower is actually eligible for — RAP, IBR, ICR, PAYE,\nSAVE, Graduated, Extended, tiered Standard — returning monthly payment, lifetime cost, projected\nforgiveness and tax on forgiveness for each, **plus the plans that are excluded and the\neligibility rule that excludes them.**\n\n### `compare_married_filing_jointly_vs_separately_student_loans`\n\nFor a married borrower, prices the filing-status decision. Filing separately removes the spouse's\nincome from the income-driven payment calculation, which routinely moves the lifetime loan cost by\ntens of thousands of dollars.\n\n**It answers half the question on purpose, and says so.** The engine models the loan side exactly and\ndoes not model the tax cost of filing separately — lost credits, worse brackets, community-property\nsplits — which is often large enough to reverse the answer. Returning only the favourable half as if\nit were the whole decision would be the same confident half-truth this server exists to replace.\n\n### `estimate_rap_monthly_payment`\n\nThe RAP monthly payment alone, for the common case. Requires the borrower's AGI and refuses to\nproceed without it — an assumed zero returns the $10/month RAP floor, which reads exactly like a\nreal answer.\n\n## Going further (no sales call, no marketing)\n\nEvery answer ends with the next rung, and `finology_service_info` returns it structured:\n\n- **Advisor:** self-serve trial of Finology Software, no credit card.\n- **Developer / operator:** an instant free sandbox key (`POST https://api.finology.tech/v1/keys/sandbox`,\n  100 calls/month), then the keyed endpoints with `X-Api-Key`. The keyed rung is the answer-of-record\n  surface: every answer is persisted with its rule version and an inputs hash before it is served.\n  Production limits by email until self-serve checkout ships. Docs: https://finology.tech/developers/\n\n## Install\n\nClaude Desktop — add to `claude_desktop_config.json`:\n\n```json\n{\n  \"mcpServers\": {\n    \"finology\": {\n      \"command\": \"npx\",\n      \"args\": [\"-y\", \"@finology/mcp-server\"]\n    }\n  }\n}\n```\n\nNo API key. No account. The calculation endpoints are public.\n\n## What is and is not in this repository\n\n**Not here, deliberately:** the RAP/OBBB formulas, income-driven payment math, forgiveness and\ntax-bomb projection, plan-eligibility rules, and NSLDS parsing. Those run on Finology's servers.\n\nThat is not only about protecting the engine. **Federal repayment rules move every year** —\npoverty guidelines, tax brackets, RAP/OBBB implementation guidance, court challenges. A formula\ncopied into an npm package is wrong within months and cannot be corrected in the installs that\nalready exist. Calling a maintained endpoint is the only shape of this tool that stays true.\n\n**Here:** the input schemas, the HTTP call, and error handling that passes the API's own\nfield-level messages through to the model instead of flattening them into \"request failed.\"\n\n## Limits\n\nThese tools return figures. They do not produce client-facing deliverables, save borrower records,\nparse NSLDS files, or track PSLF qualifying payments over time. For those, and for a book of\nborrowers kept current as the rules change: **[finology.tech](https://finology.tech/?utm_source=mcp&utm_medium=ai_agent)**\n\nRate-limited per IP. Not financial advice.\n\n## License\n\nMIT\n",
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}