# Finology Software > The student-loan-lifecycle platform for financial advisors. Import a client's NSLDS file, model federal and private student-loan repayment strategies (income-driven repayment, PSLF, refinancing) side by side, and generate client-ready reports — without spreadsheets. Finology Software is a B2B SaaS platform for CFPs, CSLPs, CCFCs, and planning-focused RIAs who advise clients on student-loan repayment. The engine is current with federal rules, including the July 1, 2026 transition to the Repayment Assistance Plan (RAP) and the new Standard plan that replace SAVE and the older income-driven options. A borrower-facing hub lets individuals find a qualified advisor. ## What it is and who it's for - [Finology Software home](https://finology.tech/): The student-loan-lifecycle platform for financial advisors — plan repayment, build the plan, print it. - [Product overview](https://finology.tech/product/): The core tools — NSLDS import, IDR simulation, PSLF tracking, and client-ready reports. - [Solutions](https://finology.tech/solutions/): One platform for every kind of advisor — solo RIA, mid-size RIA, enterprise RIA, broker-dealer/hybrid, and specialist designations (CFP, CSLP, CCFC). - [Platform](https://finology.tech/platform/): How the platform is built — security, compliance, and federal-rules currency. - [About](https://finology.tech/about/): The company behind Finology Software. ## Core tools — the Liability Planner - [Liability Planner (Product)](https://finology.tech/product/): The umbrella planning workspace — NSLDS data import, loan management, repayment-strategy simulation, and savable pro-forma income scenarios. - [Federal Loan Simulator / IDR Simulator](https://finology.tech/product/): Models income-driven repayment plans side by side — RAP, new Standard, IBR (new and old), PAYE, ICR, graduated, and extended — with payment, forgiveness, total-cost, and tax projections across up to four scenarios. - [Private Loan Planner](https://finology.tech/product/): Models private and consumer-loan repayment and refinancing, with side-by-side payment and lifetime-savings comparisons. - [Comparison Tool](https://finology.tech/product/): Compares repayment strategies side by side so advisors can show clients the trade-offs in cost, payment, and forgiveness. - [PSLF Tracker](https://finology.tech/product/): Ingests PSLF qualifying-payment counts from NSLDS, surfaces gaps, flags recertification deadlines, and provides audit trails for Public Service Loan Forgiveness. - [Client Reports](https://finology.tech/product/): Exports branded, versioned PDFs with firm logos, approved disclosures, side-by-side scenario tables, and client action plans, white-labeled with your firm's branding. ## Pricing - [Pricing](https://finology.tech/pricing/): One flat price per advisor seat — unlimited clients, imports, scenarios, and reports. - Advisor plan: $149/advisor/month, or $129/advisor/month billed annually ($1,548/year). Teams of 5 to 10 advisors pay $119/advisor/month, or $105/advisor/month billed annually ($1,260/year). 11+ seats is custom, annual-only, and sales-led. One plan and it includes everything: unlimited clients, RAP and federal repayment plans, IDR & PSLF modeling, private/consumer-loan planning, NSLDS import, scenario comparisons, client-ready PDFs, white-label client reports carrying your firm's branding, discoverability in the Find an Advisor directory, and a branded calculator you can embed on your own site to capture leads. No add-ons, no per-client or per-report fees. - Price change: the advisor plan moved to the pricing above effective September 2026. Anyone subscribed before the change keeps their prior rate for as long as their subscription stays active. - Borrower Hub: free to use. Borrowers can view their loans, understand their repayment options, and get matched with a qualified specialist advisor by state, designation, and niche. ## Free public calculators - [Free student loan and financial aid calculators](https://finology.tech/calculators/): Two free calculators, no signup, built on the same verified engine advisors use and updated for the July 1, 2026 rules. The student loan repayment comparison calculator shows every plan the borrower's loan type still qualifies for, side by side: monthly payment, lifetime cost, forgiveness timing, and the tax bill that can come with forgiveness. For most Direct loans that is Standard, RAP and IBR; consolidation and legacy Grad PLUS loans can also qualify for ICR. Plans that are closed to new enrollment, PAYE among them, are listed as unavailable with the reason rather than omitted. The Student Aid Index (SAI) calculator computes the number colleges use to size financial aid offers, using the 2026-27 FAFSA formula for dependent and independent students. - Advisors on Finology Software can embed these same calculators on their own websites with one line of code, themed to their brand color. ## For AI agents and developers - [For AI agents (hub)](https://finology.tech/agents/): How an AI agent calls the verified engine: free local MCP server (npx @finology/mcp-server), the free keyless remote MCP server (https://mcp.finology.tech/free, streamable HTTP, no key), the keyed remote MCP server, the REST API, the instant sandbox key, what is warranted and what is estimated, and the machine-readable discovery files. All self-serve; no calls or demos. - [Verified engine MCP server](https://mcp.finology.tech/mcp): A Model Context Protocol server over the same parity-verified federal student-loan engine advisors use, so an assistant calls the engine instead of doing the math itself. Tools: run_projection (one plan), compare_scenarios (2 to 10 side by side), get_eligible_plans, get_plan_types. Streamable HTTP, authenticated with an X-Api-Key header. Every answer carries the rule version behind it and citations to the primary source for each constant, and every call is recorded against the key that made it. Listed in the official MCP registry as tech.finology/verified-engine. - [Get a key with no signup](https://finology.tech/developers/): POST to https://api.finology.tech/v1/keys/sandbox with {"email":"you@example.com"} and a sandbox key comes back immediately: 100 calls a month, valid 30 days, working on both the REST API and the MCP server. Production access is self-serve too: subscribe at https://buy.stripe.com/28E4gy3LHf188KYd5kaZi01 ($499 a month, 100,000 calls a month, cancel any time) and the production key arrives by email the moment payment clears. Manage or cancel at https://billing.stripe.com/p/login/dRmcN46XTg5cd1eaXcaZi00. - [Public REST API](https://finology.tech/developers/): The same engine over REST, with projection, comparison and plan-eligibility endpoints. Calculation only: every figure travels in the request, no stored client data is read, and no personal data is accepted or returned. - [Developers](https://finology.tech/developers/): How access works, what each tool does, and what the engine will and will not answer. - [auth.md](https://finology.tech/auth.md): Authentication and registration, written to be read by humans and agents alike. - [API and MCP Terms of Service](https://finology.tech/api-terms/): The agreement governing programmatic use of the engine: license and restrictions (no reverse engineering, no model training on Outputs, no resale of access), enforcement, keys, tiers and billing, data, and the nature of Outputs as estimates rather than advice. - A keyless package, npx @finology/mcp-server, is also published for a first look. It reaches the same engine, but its answers are not attributed to a caller, not metered, and carry no citations or rule version. Use a key for anything you intend to rely on. ## Key pages - [Pricing](https://finology.tech/pricing/): Advisor plan details, billing model, and free-trial terms. - [FAQ](https://finology.tech/faq/): Answers on what Finology is, repayment simulation, the July 1, 2026 RAP transition, forgiveness tracking, data security, and getting started. - [Compare](https://finology.tech/compare/): How Finology Software compares to alternatives. - [Glossary](https://finology.tech/glossary/): Definitions of student-loan and repayment terminology. - [Partners](https://finology.tech/partners/): The Finology partner ecosystem. - [Press](https://finology.tech/press/): Press and news. ## Borrower hub and blog - [Borrower Hub](https://finology.tech/borrowers/): For student-loan borrowers — consolidate federal and private loans in one dashboard, compare refinance scenarios, and find a qualified specialist advisor by state, designation, and niche (free to browse and connect). - [Blog and news](https://finology.tech/finology-software-blog-and-news/): Borrower-focused guides on PSLF, income-driven repayment, and the July 1, 2026 federal rule changes. - [Borrower Guides](https://finology.tech/category/borrower-guides/): The blog's borrower-guide category. ## Getting started / free trial - [Start for free](https://identity.finology.tech/): Sign up for a 7-day full-access trial — no credit card required. Includes the complete advisor plan; the account pauses at day 7 with no auto-charge. After the trial, subscriptions start at $149/month or $1,548/year. - [Login](https://identity.finology.tech/Account/Login): Sign in to an existing Finology Software account. ## Legal - [Privacy Policy](https://finology.tech/privacy-policy/): How Finology handles data. - [Terms of Service](https://finology.tech/terms-of-service/): Terms governing use of the platform. - [EULA](https://finology.tech/eula/): End-user license agreement.