Finology-tech/finology-mcp

**Language models guess at federal student loan rules. This doesn't.**
@finology/mcp-server connects Claude, Cursor, or any MCP client directly to
Finology Software's parity-verified federal repayment engine. Every
number is computed server-side against current federal rules and returned with a
parityVerified flag. No formulas are approximated, and none are hardcoded into this package.
Why this exists
Federal repayment eligibility is not arithmetic, it is regulation, and it is the part models get
wrong most confidently:
- **A Parent PLUS loan is not RAP-eligible.** Ask a model for the best plan on a Parent PLUS
balance and it will usually produce a RAP payment. This server returns the exclusion and the
rule behind it.
- **RAP is assessed on full AGI with no poverty-line shield**, on a sliding 1%–10% scale, less
$50 per *qualifying dependent* — and a spouse is not a dependent. Approximating it from older
IDR formulas gives the wrong answer.
- **A consolidation that repaid a PLUS loan is restricted to ICR.**
- **PAYE and ICR are still open, with conditions, until no later than July 1, 2028.** Following
Federal Student Aid, PAYE is open to a PAYE "new borrower" with no new loan or consolidation on
or after July 1, 2026, and ICR is open to eligible loan types. Loans made on or after July 1, 2026
can use only the tiered Standard plan or RAP. SAVE is closed to new enrollment.
Tools
compare_federal_student_loan_repayment_plans
Compares a balance across every plan the borrower is actually eligible for — Standard, tiered
Standard, RAP, IBR, PAYE and ICR — returning monthly payment, lifetime cost, projected
forgiveness and tax on forgiveness for each, **plus the plans that are excluded and the
eligibility rule that excludes them.**
compare_married_filing_jointly_vs_separately_student_loans
For a married borrower, prices the filing-status decision. Filing separately removes the spouse's
income from the income-driven payment calculation, which routinely moves the lifetime loan cost by
tens of thousands of dollars.
When both spouses carry federal loans, pass the spouse's own federal balance as well: under joint
filing the household payment is split by each spouse's share of the combined balance (34 CFR
685.209(g)(1)(i)), and leaving it out overstates the borrower's payment.
**It answers half the question on purpose, and says so.** The engine models the loan side exactly and
does not model the tax cost of filing separately — lost credits, worse brackets, community-property
splits — which is often large enough to reverse the answer. Returning only the favorable half as if
it were the whole decision would be the same confident half-truth this server exists to replace.
estimate_rap_monthly_payment
The RAP monthly payment alone, for the common case. Requires the borrower's AGI and refuses to
proceed without it — an assumed zero returns the $10/month RAP floor, which reads exactly like a
real answer.
Going further (no sales call, no marketing)
Every answer ends with the next rung, and finology_service_info returns it structured:
- **Advisor:** Finology Software, US $99 per advisor per month or $89 per month billed annually, with a self-serve 7-day trial, no card required (add a card to keep the subscription after day 7). Includes client file import, saved scenarios, branded client reports, and the student loan and SAI calculators on up to 2 of the firm's own websites.