Finology Software now connects to Copilot. Add our engine to GitHub Copilot and a federal student loan question asked there is answered by the same engine that produces client reports inside our platform, and the result carries the date of the rules that produced it. Firms on Microsoft 365 can also add it to a Copilot Studio agent: the tool connects and signs in with a Finology Software login, and running the agent uses your firm’s Copilot credits.
It is the same engine that already runs inside Claude and ChatGPT. Advisors use all three, so the answer should not depend on which assistant is open.
Copilot is already reading about student loans
Advisors who work in Microsoft 365 ask Copilot student loan questions the same way they ask a colleague. Copilot answers many of them from pages it finds on the web, and finology.tech is one of the sources it reaches for. In the week of October 8 to 14, Microsoft’s own Bing Webmaster Tools counted Copilot citing finology.tech pages about 186 times a day, most often on whether RAP qualifies for PSLF, how long until student loans are forgiven, RAP payments by income, and how to switch to RAP.
A cited page explains a rule well. It does not know your client’s balance, income, household, or which loans they hold. When Copilot answers from a page, it writes a generated summary of what it read. When it calls Finology Software, the number is computed by the engine from the inputs in the question, and the result carries the date of the rules behind it. That is the difference between an answer that sounds right and an answer you can stand behind in a client meeting.
What it does
With a free Finology Software login (no card), Copilot can:
- Compare every federal repayment plan a loan can actually elect (RAP, IBR, PAYE, ICR and the Standard plans), with monthly payment, lifetime cost, forgiveness timing including PSLF, and the estimated tax on any forgiven balance. Plans the borrower cannot elect are listed with the rule that excludes them.
- Estimate a RAP monthly payment from income, filing status, and household size.
- Compare filing jointly against filing separately on the loan side, with a plain statement of what that comparison does not model.
- Explain what the service covers, so Copilot can state the limits before you rely on a number.
Every result carries a line naming Finology Software and the date of the rules it used. Ask Copilot to include that date, as in the GitHub Copilot answer below.
Your own clients, with your Finology Software login. If you subscribe, sign in with your own login and Copilot can list your clients (as initials, if your firm withholds names), run a projection on a client’s imported federal loan file, and chart each plan’s balance year by year. Each advisor signs in separately and sees only their own clients. Every tool is read only.
How to set it up in GitHub Copilot
In the GitHub Copilot command line, add the server once:
copilot mcp add --transport http finology https://mcp.finology.tech/freeThe first time Copilot calls a Finology Software tool, a Finology Software sign-in opens in your browser. Sign in with your Finology Software login and allow the connection. A subscriber’s login sees their own clients on the same address. GitHub Copilot in Visual Studio Code uses the same address and the same sign-in.
This is a real answer from GitHub Copilot on its free plan, signed in with a Finology Software login, on October 16, 2026:
Question: Estimate the RAP monthly payment for an AGI of 70960 and a family size of 3. Quote the tool’s numbers exactly and include the “rules as of” date the tool returns.
GitHub Copilot: RAP monthly payment: $313.93 ($314 to the dollar). The tool also reports $3,767 a year. Rules as of 2026-10-16.
How to set it up in Copilot Studio
It is usually done by whoever sets up Microsoft tools at the firm. Before you start, you need a work or school Microsoft account with access to Copilot Studio, and your Power Platform admin may need to allow generative AI features and custom connectors. Each person who will use the agent needs a Finology Software login.
The server address is https://mcp.finology.tech/free. A free login answers 5 questions in total, with no daily limit, and a subscriber’s login also sees their own clients there.
- Open Copilot Studio and create an agent, or open an existing one.
- Go to Tools, select Add a tool, then New tool, then Model Context Protocol.
- Server name: Finology Software. Server description: Federal student loan calculations from the Finology Software engine: compare every repayment plan a borrower can elect, estimate RAP payments, compare filing jointly against separately, and, for subscribers, read your own clients and run their projections. Server URL: https://mcp.finology.tech/free.
- Authentication: choose OAuth 2.0, then type Dynamic discovery. Leave every other field empty. Copilot Studio finds our sign-in server and registers itself, so there is no client ID, secret, or callback URL to copy.
- Select Add. On the connection step, choose Create new connection. A Finology Software window opens: sign in with your Finology Software login, review what Copilot Studio is asking for, and allow it. Then add the tool to the agent.
- Ask a question in the test chat, for example: Estimate the RAP monthly payment for an AGI of $70,960 and a family size of 3. Running the agent uses your firm’s Copilot credits, which Microsoft bills.
Building it into your own software instead, with an API key? The same engine is a public API and a keyed MCP server: see finology.tech/developers.
What it costs
Finology Software. A free Finology Software login, no card, answers 5 questions in total on the free calculator, with no daily limit. The advisor plan is $99 per advisor per month, or $89 a month billed annually, with unlimited active clients, and the Copilot connection is included at no extra charge.
Microsoft and GitHub. GitHub Copilot is billed by GitHub, and the answer above came from its free plan. Copilot Studio agents run on Copilot credits billed by Microsoft under your firm’s own plan. We do not charge for or resell either. Microsoft explains which licenses let you build, test, and publish an agent on its Copilot Studio licensing page.
What your compliance team will want to know
- Sign-in happens on our identity server. Copilot connects through OAuth with your Finology Software login, and neither GitHub nor Microsoft receives your Finology Software password.
- Every tool is read only. Nothing in a Finology Software account can be created, changed, or deleted through the connection.
- Each advisor sees only their own clients. The free calculator creates no client record.
- Answers are recorded on our side so their accuracy can be audited later. Our privacy policy and API terms have the details.
What it does not do
It does not give advice. It models outcomes and shows the assumptions behind them, and the recommendation stays with the advisor. Figures are estimates for education, and the tax on forgiven balances is estimated at today’s brackets.
It does not guess, either. If an input is missing it asks for it, and where a plan is unavailable it names the rule rather than producing a number that looks reasonable and is not.
Setup questions
Do we need Microsoft 365 Copilot licenses?
Not for GitHub Copilot, which works on its free plan. A Copilot Studio agent runs on your firm’s Copilot credits, and Microsoft’s Copilot Studio licensing page lists the plans that include them. On our side, all it needs is a Finology Software login.
Does it cost extra on our Finology Software plan?
No. It is included in the advisor plan, $99 per advisor per month or $89 a month billed annually. Without a subscription, a free login answers 5 questions in total, with no daily limit.
Can other advisors at the firm see my clients?
No. Each advisor signs in with their own Finology Software login and sees only their own clients.
Does Copilot decide what is best for my client?
No. It runs the same plan comparison as the planner and explains the numbers and the rules behind them. The recommendation is yours.
Try it on a real question
Add Finology Software to GitHub Copilot or a Copilot Studio agent and ask it something you were going to work out by hand anyway. A married couple deciding how to file. A client who was on SAVE and does not know what happens next. A public service employee wondering whether RAP still counts toward PSLF.
Every way to connect, including Claude and ChatGPT, is on finology.tech/agents. If the answer is useful, the same engine runs the full planner, client reports, and loan file import at Finology Software.
Show every client the plan that saves them the most
Every number sourced, every path compared. Model RAP, the new Standard, IBR, PAYE, ICR and PSLF side by side.
