Finology Student Loan Calculator
https://mcp.finology.tech/free ↗
Description
Free, keyless federal student-loan math: RAP, IBR, ICR, PSLF. Logged+cited tier: verified-engine
What our measurements say
Finology Student Loan Calculator is a remote MCP server published at mcp.finology.tech. It has been probed 9 times since 9/12/2026. It answered in 9 of them (100.0%), a near-uninterrupted record. Median response time is 898 ms, a delay an agent will notice. It offers a narrow, focused set of 4 tools. On the protocol side it still runs 2025-11-25 and has not moved to the newer spec.
Agent readability score
Can an LLM agent pick the right tool here — names, descriptions and parameter clarity are assessed.
Agent readability score
Agent readability score
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| Run | Era | Modern | ms | Legacy | ms | Versions |
|---|---|---|---|---|---|---|
| 2026-09-13 08:43:04 | Legacy | 400 | 823 | 200 | 836 | 2025-11-25 |
| 2026-09-13 06:40:42 | Legacy | 400 | 859 | 200 | 1028 | 2025-11-25 |
| 2026-09-13 04:35:29 | Legacy | 400 | 913 | 200 | 925 | 2025-11-25 |
| 2026-09-13 01:33:33 | Legacy | 400 | 2458 | 200 | 2461 | 2025-11-25 |
| 2026-09-12 23:31:36 | Legacy | 400 | 913 | 200 | 898 | 2025-11-25 |
| 2026-09-12 21:29:15 | Legacy | 400 | 997 | 200 | 1053 | 2025-11-25 |
| 2026-09-12 19:27:29 | Legacy | 400 | 894 | 200 | 891 | 2025-11-25 |
| 2026-09-12 17:24:09 | Legacy | 400 | 879 | 200 | 859 | 2025-11-25 |
| 2026-09-12 15:21:42 | Legacy | 400 | 804 | 200 | 809 | 2025-11-25 |
Schema compliance
tools/list structure, inputSchema validity, and a functional smoke test — the components of the 0-100 score.
- tools/list schema valid
- inputSchema is valid JSON Schema
- Smoke test passed · last run:
- Cold-start: cold 165ms → warm 165ms (penalty 0ms)
Tools
Tools the server advertised in the latest measurement — measured, not catalog-claimed.
compare_married_filing_jointly_vs_separately_student_loansRun 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.
balancenumberrequiredratePctnumberrequiredborrowerAginumberrequiredspouseAginumberrequireddependentsintegerloanTypestring
finology_service_infoHow 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_plansCompare 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.
balancenumberrequiredratePctnumberrequiredborrowerAginumberrequiredfilingStatusstringspouseAginumberdependentsintegerloanTypestring
estimate_rap_monthly_paymentEstimate 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.
annualIncomenumberrequiredfilingStatusstringspouseAnnualIncomenumberfamilySizeinteger
Availability history
Each block is one measurement round. Green: working response. Amber: responded but the server was returning errors (5xx). Red: no response at all.
Era history
Each cell is one probe run. Faded cells are incomplete probes — one leg did not answer, so the era is inconclusive.
Response time history
The two probe legs separately: modern server/discover and legacy initialize.
Event log
Derived by comparing consecutive probes — changes in era, protocol version, build and reachability.
- Added to watch — era: Legacy
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[](https://mcpmetrics.io/servers/tech-finology-student-loan)<a href="https://mcpmetrics.io/servers/tech-finology-student-loan"><img src="https://mcpmetrics.io/badge/tech.finology/student-loan/era.svg" alt="mcpmetrics"></a>You are seeing the last 7 days. Sign up for the full history. Which check failed and why is in the dashboard.
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