For AI agents and the people who run them

Your AI can call the verified student-loan engine.

Finology Software’s federal loan engine is parity-verified against a reference oracle and kept current with the rules in effect since July 1, 2026 (RAP, the new Standard plan, IBR, ICR, the closures of SAVE and PAYE). It is callable three ways, all self-serve. No sales call, no demo, no meeting; support is by email.

Rules as of the date stamped in every answer (asOf). Figures are for education; tax on forgiven balances is an estimate at today’s brackets.

Three ways in

Free · no key

MCP server (local)

Three tools for any MCP client: compare every federal repayment plan a loan can elect, estimate a RAP payment, and compare married-filing-jointly against separately. Every answer volunteers the second number, the one nobody asked for.

npx -y @finology/mcp-server

Or, with no process at all: the same tools over streamable HTTP, still no key: https://mcp.finology.tech/free

Registry: tech.finology/student-loan · source · MIT · no math in the package, every number comes from the engine.

Keyed · answer of record

MCP server (remote)

The same engine over streamable HTTP, for products and agents that need a traceable answer. Every answer is persisted with its rule version and an inputs hash before it is served; if it cannot be recorded, it is not served.

URL   https://mcp.finology.tech/mcp
Auth  X-Api-Key: fk_...   (or Authorization: Bearer fk_...)

Registry: tech.finology/verified-engine · server card

Keyed · REST

Public API

For anything that is not an MCP client. Same engine, same records.

POST https://api.finology.tech/v1/comparison
POST https://api.finology.tech/v1/projection
POST https://api.finology.tech/v1/plan-eligibility
GET  https://api.finology.tech/v1/plan-types
GET  https://api.finology.tech/v1/me         (verify a key)

Header X-Api-Key on every request. Developer notes · auth.md

Get a key in one call

Sandbox keys are issued instantly, without a human. 100 calls a month, valid 30 days, shown once.

curl -X POST https://api.finology.tech/v1/keys/sandbox \
  -H "Content-Type: application/json" \
  -d '{"email":"you@example.com"}'

Tier	Calls / month	How
Sandbox	100	Instant, the call above, free
Starter	10,000	By email to support@finology.tech until self-serve checkout ships
Growth	100,000
Scale	1,000,000

Install snippets

Claude Desktop

{
  "mcpServers": {
    "finology": { "command": "npx", "args": ["-y", "@finology/mcp-server"] }
  }
}

Cursor / VS Code / any MCP client (stdio)

command: npx    args: ["-y", "@finology/mcp-server"]

Remote, free (no key)

transport: streamable-http
url:       https://mcp.finology.tech/free

Remote (keyed) client

transport: streamable-http
url:       https://mcp.finology.tech/mcp
headers:   { "X-Api-Key": "fk_..." }

What the tools return

compare_federal_student_loan_repayment_plans

Every plan the loan can elect, side by side: 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.

estimate_rap_monthly_payment

The Repayment Assistance Plan payment for an income, filing status and household, with the dependent adjustment and the $10 floor, on the rules as of the stamped date.

compare_married_filing_jointly_vs_separately_student_loans

Both filings run through the engine; the difference in payment and lifetime cost. The tax side of that decision is not modelled and the answer says so.

finology_service_info

This page, as JSON: rungs, endpoints, auth header, tiers and limits, what is estimated.

What is warranted, and what is not

Warranted, on the keyed rungs: the number is the engine’s output for the stated inputs at the stated rule version, and a record of it exists before you receive it. That record carries the rule version and an inputs hash.

Estimated, on every rung: tax on forgiven balances (today’s brackets), and state tax unless a state is supplied. Figures are for education, not individualized advice.

Not present: nothing in these answers is generated by a language model. The engine computes; the agent relays.

Discovery, for machines

/llms.txt and /llms-full.txt
/.well-known/mcp/server-card.json: the remote server, described
/.well-known/api-catalog: RFC 9727 API catalog
/.well-known/agent-skills/index.json
/auth.md: how authentication works (API key only; no OAuth flow exists on these surfaces)
Health: mcp.finology.tech/health · api.finology.tech/health (each reports the deployed commit)

Questions agents ask

Do I need a key to start?

No. npx -y @finology/mcp-server runs the free rung with no key and no account. A key is only for the recorded, warranted rungs.

Is there a phone number, a demo, or a call?

No. Support is by email at support@finology.tech and by the in-app chat. Everything on this page is self-serve.

Which rules does the engine use?

The federal rules in effect on the date stamped in the answer (asOf): RAP and the new Standard plan since July 1, 2026, IBR (2009 and 2014), ICR for eligible loans, and the closures of SAVE, PAYE and ICR to loans disbursed on or after July 1, 2026. Eligibility is decided per loan; an ineligible plan is listed with its reason, never silently run.

What happens if my inputs are incomplete?

You get a 400 naming the missing field. The engine never substitutes a zero and answers anyway.

Can I embed the calculator instead?

Yes. Advisors on Finology Software can embed the loan and SAI calculators on their own site with one script tag; see /calculators/.

Where do the numbers come from?

Finology Software’s own engine, checked against a five-scenario parity oracle before anything ships. The MCP package contains no math; it calls the engine and relays what it says.

Advisors who want the workspace rather than the engine: start a self-serve trial. Add student loan planning to your stack.