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

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 — 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: 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.

How access works
STEP 1

Get a key

No signup, no waiting, no sales call. One request returns a sandbox key good for 100 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 at buy.stripe.com: $499 a month, 100,000 calls, cancel any time. Your production key arrives by email the moment payment clears. It is shown once and never stored. Manage or cancel at the billing portal.

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.

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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.

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