{
  "schemaVersion": "2025-06-18",
  "serverInfo": {
    "name": "Finology Software MCP",
    "identifier": "finology-verified-engine",
    "version": "0.1.0",
    "description": "Call Finology Software's parity-verified federal student-loan engine (RAP, IDR, PSLF, legacy plans). Calc-only, no PII. The AI never emits a loan number it computed; the verified engine emits it, provenance-stamped.",
    "vendor": "Finology Software",
    "websiteUrl": "https://finology.tech",
    "documentationUrl": "https://finology.tech/auth.md"
  },
  "transport": {
    "type": "streamable-http",
    "url": "https://mcp.finology.tech/mcp",
    "methods": [
      "POST",
      "GET"
    ]
  },
  "authentication": {
    "type": "api-key",
    "header": "X-Api-Key",
    "alternativeHeader": "Authorization: Bearer <key>",
    "protectedResourceMetadata": "https://finology.tech/.well-known/oauth-protected-resource"
  },
  "capabilities": {
    "tools": {
      "listChanged": false
    }
  },
  "tools": [
    {
      "name": "run_projection",
      "description": "Run a single parity-verified federal student-loan repayment projection under ONE plan. Returns year-1 monthly payment, payoff/forgiveness date, months to finish, total out-of-pocket cost, amount forgiven, forgiveness tax bomb, and weighted-average interest rate, each provenance-stamped. Inputs: scenario (plan + household income/filing/state) and a loan book of 1-100 loans."
    },
    {
      "name": "compare_scenarios",
      "description": "Compare 2-10 repayment scenarios side-by-side (commonly the same loans under RAP vs Standard vs IBR vs PAYE) and return the engine-decided lowest-total-cost option (lowestCostLabel), one verified projection per arm."
    },
    {
      "name": "get_eligible_plans",
      "description": "List the repayment plans each federal loan is eligible for, using the same deterministic eligibility rules as the Finology planner. Call before run_projection / compare_scenarios. Rule logic, not a dollar calc."
    },
    {
      "name": "get_plan_types",
      "description": "Return the exact uppercase repayment-plan-type strings the tools accept (e.g. 'STANDARD', 'REPAYMENT ASSISTANCE', 'INCOME BASED', 'PAY AS YOU EARN', 'SAVE'). Pass them verbatim as scenario.planType. No inputs, no calc."
    }
  ]
}