Finology Software

NEW

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

Building an agent? The full hub, with install snippets, the sandbox key and what is warranted, is at finology.tech/agents.

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, or Claude itself — 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. Claude connects to Finology Software directly: our connector is listed in the Claude Connectors Directory, and mcp.finology.tech/free answers federal student-loan questions in Claude with a free Finology login (no card, no key; 5 questions in total; subscribers see their own clients there). ChatGPT does too: Finology Software is in the ChatGPT plugin directory. Advisors who subscribe sign in with their Finology login and work on their own client book. 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: OAuth with your Finology login, or an 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: sandbox keys are self-serve and issued instantly by the call above, and production access is self-serve too. 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.

Power vs. build

Why power it instead of building it

The engine is a moving target with a compliance bar. Here’s what you skip by running ours.

Don’t chase the rules

RAP today, something else next session. We track the federal changes and keep the math right, so you never re-engineer a calculation engine on a regulator’s timeline.

Advisor-grade, not consumer-grade

Every plan calculation is checked against verified reference scenarios before it ships. Built to the bar an advisor’s compliance team expects, not a consumer calculator’s.

Live the day you get a key

A sandbox key is instant, with no sales call. Production starts at $49 a month. The hard part already exists.

Stay focused on your audience

You own the relationship and the borrowers’ trust. We run the engine, so your team keeps its attention where your advantage is.

How access works
STEP 1

Get a key

No signup, no waiting, no sales call. One request returns a sandbox key good for 25 calls a month.curl -X POST https://api.finology.tech/v1/keys/sandbox \ -H 'Content-Type: application/json' \ -d '{"email":"you@example.com"}'

STEP 2

Build against it immediately

The key works straight away on both surfaces, REST and MCP, against one shared quota. It lasts 30 days, and requesting another for the same address replaces it.

STEP 3

Go to production

Send your key in the X-Api-Key header on every request, and verify it any time with GET /v1/me. When you outgrow the sandbox, subscribe on either plan, cancel any time: Developer, $49 a month for 2,000 calls, or Platform, $499 a month for 100,000 calls. Your production key arrives by email the moment payment clears. It is shown once and never stored. Manage or cancel at the billing portal.

The REST API is calculation-only: every figure travels in the request. 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.

Email us

You do not need to contact us to start. The sandbox key above is instant. Get in touch when you need a volume tier or the platform under your own brand. We reply by email, usually within two business days.

Documentation and discovery

  • auth.md · authentication and registration, for humans and agents
  • Endpoint reference · request and response shapes for every route
  • MCP server card · machine-readable server description
  • API catalog · RFC 9727 discovery index
  • llms.txt · site guide for AI agents
  • MCP registry listing · tech.finology/verified-engine, the record Smithery, Glama and PulseMCP read
  • npx @finology/mcp-server · a keyless package for a first look. Same engine, but answers are not attributed to you, not metered, and carry no citations or rule version. Use a key for anything you intend to rely on.

Running a firm that wants the whole platform under its own brand? See Powered by Finology Software.

Want our calculators on your firm’s own website? They come with a Finology Software advisor subscription, on up to 2 of your own sites. Embedding them in your product, or for another organization’s customers, is an API license.

The REST API and MCP server are live, and sandbox keys are self-serve. Calculations are estimates for planning, not financial advice. Powered by Finology Software.