Finology Software

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OBBB-compliant, Repayment Assistance Plan (RAP) is live in the simulator

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For institutions and AI builders

Verified student-loan math, in your product or your AI agent

Finology keeps the federal student-loan engine current — RAP, IDR, PSLF — and gives you two ways to use it: a REST API your product calls, and an MCP server your AI calls. Your users see your brand. The math is the same engine advisors use. Your agent gets verified projections it can cite, instead of math it made up.

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MCP server Available now

For AI agents and assistants

If you’re building anything AI-facing — a copilot for your team, an assistant for your users — MCP lets it call our engine directly instead of guessing. It reads what’s available and asks, so your engineers don’t wire up each function by hand. Technical: any MCP client over Streamable HTTP.

https://mcp.finology.tech/mcp
  • run_projection one verified projection under one plan
  • compare_scenarios compare 2–10 scenarios
  • get_eligible_plans eligible plans per loan
  • get_plan_types accepted plan-type strings

Auth: X-Api-Key header · Server card · auth.md

REST API Live now

For your product

Your backend sends the numbers, gets the answer back, and you render it in your own interface. Nothing of ours appears to your users. Technical: OpenAPI, versioned under /v1.

https://api.finology.tech
  • POST /v1/projection one verified repayment projection
  • POST /v1/comparison compare scenarios
  • POST /v1/plan-eligibility eligible plans per loan
  • GET /v1/me your account and tier

Live now: keys are issued case by case as applications are approved. OpenAPI docs · auth.md

One credential covers both surfaces: the same key authenticates against the REST API and the MCP server, with a shared usage quota. Tell us which you’d like to start with.

How access works
STEP 1

Email us

Email us at info@finology.tech: who you are, what you’re serving, and which surface you need.

STEP 2

We review and issue a key

We review every application by hand and reply by email, usually within two business days, with a key, a usage tier that fits your volume, and a quote. Contact us at info@finology.tech for pricing.

STEP 3

Authenticate and build

Send your key in the X-Api-Key header on every request. Verify it any time with GET /v1/me.

No client data touches us. The engine is calculation-only by design. Every loan and scenario number travels in the request, and the answer comes back. We don’t read, store, or accept personal data about the people you serve — which keeps your security review short and leaves no data-handling exposure on our side.

Talk to us

Tell us who you are, what you’re serving, and which surface you need. We reply by email, usually within two business days.

Documentation and discovery

Looking for the embeddable calculators instead? Those are included with any advisor seat and take one line of code: see the calculators page. Running a firm that wants the whole platform under its own brand? See Powered by Finology Software.

The REST API is live; access is by application. Calculations are estimates for planning, not financial advice. Powered by Finology Software.