Your AI Can Now Call a Verified Student-Loan Engine

Finology Software’s parity-verified federal student-loan engine is now callable by AI agents over MCP and REST. Free keyless rung, keyed rungs where every answer is recorded before it is served, and a $499 production tier bought without talking to anyone.

The Student Loan Complexity Wall: Where Free Calculators Stop Working

Free calculators are fine for one borrower with one loan. When two spouses both carry federal debt, federal rules require one combined payment split by debt share, and every consumer tool gets it wrong by roughly double.

Your Client’s Plan Is Only as Current as Your Last Upload

A stale projection looks exactly like a fresh one. How a free client portal makes the borrower the source of truth, and shows you which numbers have aged.

Student Loan Forgiveness Is Taxable Again. Here Is What It Costs.

The American Rescue Plan exclusion expired at the end of 2025. Forgiveness is ordinary income again, and the bill is assessed at the income your client will have, not the one they have now.

Parent PLUS After July 1, 2026: What Is Actually Left

A Parent PLUS loan on its own has no income-driven option. Consolidating unlocks ICR and nothing else, and that door closes in 2028.

One New Loan This Fall Rewrites Your Client’s Plan Menu

A Direct Loan disbursed on or after July 1, 2026 permanently closes REPAYE, PAYE and ICR. It does not close IBR, and the real damage is which IBR your client gets.

How to Choose Student Loan Repayment Software: An Advisor’s Buying Guide

What student loan repayment software does, the features that matter after July 1, 2026, and how advisors should evaluate accuracy before trusting a tool with client numbers.

PSLF Buyback Does Not Cover RAP Months. Here Is What Your Client Loses.

PSLF buyback cannot recover deferment or forbearance months spent on the Repayment Assistance Plan. The regulation excludes RAP from both the automatic credit path and the paid one.