SecureLend Market

compare_student_loans

Compare student loan options and refinancing rates based on degree type and amount

Input Schema

TableJSON Schema

Name	Required	Description	Default
No arguments

Schema Changelog

Changes observed during successful MCP inspections.

Changed5 schema fields changedSep 23, 2026

removedInput schema / $schema

Removed value: -"http://json-schema.org/draft-07/schema#"

addedInput schema / additionalProperties
```
Added value: +true
```

removedInput schema / properties

Removed value: -{
-  "coSignerCreditScore": {
-    "description": "The co-signer's estimated credit score (300-850), if applicable.",
-    "maximum": 850,
-    "minimum": 300,
-    "type": "number"
-  },
-  "creditScore": {
-    "description": "The student's estimated credit score (300-850).",
-    "maximum": 850,
-    "minimum": 300,
-    "type": "number"
-  },
-  "degreeType": {
-    "description": "The type of degree the loan is for.",
-    "enum": [
-      "undergraduate",
-      "graduate",
-      "mba",
-      "medical",
-      "law"
-    ],
-    "type": "string"
-  },
-  "loanAmount": {
-    "description": "The total amount needed for the student loan in USD.",
-    "maximum": 250000,
-    "minimum": 1000,
-    "type": "number"
-  },
-  "state": {
-    "description": "The student's state of residence (2-letter code).",
-    "type": "string"
-  }
-}

removedInput schema / required

Removed value: -[
-  "loanAmount",
-  "degreeType"
-]

changedOutput schema / (root)

Previous value: -{
-  "$schema": "http://json-schema.org/draft-07/schema#",
-  "additionalProperties": false,
-  "properties": {
-    "metadata": {
-      "additionalProperties": false,
-      "properties": {
-        "queryId": {
-          "type": "string"
-        },
-        "sessionId": {
-          "type": "string"
-        },
-        "timestamp": {
-          "type": "string"
-        }
-      },
-      "required": [
-        "queryId",
-        "timestamp"
-      ],
-      "type": "object"
-    },
-    "offers": {
-      "items": {
-        "additionalProperties": false,
-        "properties": {
-          "disclaimer": {
-            "description": "A disclaimer message, e.g., if the offer is an estimate.",
-            "type": "string"
-          },
-          "fees": {
-            "additionalProperties": false,
-            "description": "Any fees associated with the loan.",
-            "properties": {
-              "origination": {
-                "additionalProperties": false,
-                "description": "Fee charged by the lender for processing the loan.",
-                "properties": {
-                  "amount": {
-                    "additionalProperties": false,
-                    "description": "The origination fee amount.",
-                    "properties": {
-                      "amount": {
-                        "type": "number"
-                      },
-                      "currency": {
-                        "const": "USD",
-                        "type": "string"
-                      }
-                    },
-                    "required": [
-                      "amount",
-                      "currency"
-                    ],
-                    "type": "object"
-                  },
-                  "percentage": {
-                    "description": "The origination fee as a percentage of the loan amount.",
-                    "type": "number"
-                  }
-                },
-                "required": [
-                  "amount"
-                ],
-                "type": "object"
-              }
-            },
-            "type": "object"
-          },
-          "isEstimate": {
-            "description": "Indicates if the offer terms are an estimate and not a firm quote.",
-            "type": "boolean"
-          },
-          "isSecureLendTenant": {
-            "description": "Indicates if the offer is from a SecureLend-managed tenant.",
-            "type": "boolean"
-          },
-          "lender": {
-            "additionalProperties": false,
-            "description": "Details about the lender providing the offer.",
-            "properties": {
-              "id": {
-                "description": "The unique identifier for the lender.",
-                "type": "string"
-              },
-              "name": {
-                "description": "The display name of the lender.",
-                "type": "string"
-              },
-              "type": {
-                "description": "The type of lending institution (e.g., 'Bank', 'Credit Union').",
-                "type": "string"
-              }
-            },
-            "required": [
-              "id",
-              "name",
-              "type"
-            ],
-            "type": "object"
-          },
-          "matching": {
-            "additionalProperties": false,
-            "description": "Information about how the offer was matched.",
-            "properties": {
-              "matchReasons": {
-                "description": "Reasons for the match score.",
-                "items": {
-                  "type": "string"
-                },
-                "type": "array"
-              },
-              "matchScore": {
-                "description": "A score indicating how well the offer matches the search criteria.",
-                "type": "number"
-              }
-            },
-            "type": "object"
-          },
-          "offerId": {
-            "description": "A unique identifier for this specific loan offer.",
-            "type": "string"
-          },
-          "process": {
-            "additionalProperties": false,
-            "description": "Details about the application and funding process.",
-            "properties": {
-              "applicationMethod": {
-                "description": "How to apply for the loan.",
-                "enum": [
-                  "online",
-                  "phone",
-                  "in_person"
-                ],
-                "type": "string"
-              },
-              "applicationUrl": {
-                "description": "The URL to the online application form.",
-                "format": "uri",
-                "type": "string"
-              },
-              "fundingSpeed": {
-                "additionalProperties": false,
-                "description": "Information on how quickly the loan is funded.",
-                "properties": {
-                  "description": {
-                    "description": "Estimated time to receive funds.",
-                    "type": "string"
-                  }
-                },
-                "required": [
-                  "description"
-                ],
-                "type": "object"
-              }
-            },
-            "required": [
-              "applicationMethod"
-            ],
-            "type": "object"
-          },
-          "product": {
-            "additionalProperties": false,
-            "description": "Details about the financial product.",
-            "properties": {
-              "description": {
-                "description": "A brief description of the product.",
-                "type": "string"
-              },
-              "name": {
-                "description": "The name of the financial product being offered.",
-                "type": "string"
-              },
-              "type": {
-                "description": "The category of the financial product.",
-                "enum": [
-                  "INSTALLMENT_LOAN",
-                  "LINE_OF_CREDIT",
-                  "SHORT_TERM_CREDIT",
-                  "BNPL",
-                  "MORTGAGE",
-                  "AUTO_LOAN",
-                  "AUTO_REFINANCE",
-                  "STUDENT_LOAN",
-                  "STUDENT_LOAN_REFINANCE",
-                  "BUSINESS_LOAN",
-                  "BUSINESS_BANKING",
-                  "BUSINESS_CREDIT_CARD",
-                  "PERSONAL_BANKING",
-                  "SAVINGS_ACCOUNT",
-                  "PERSONAL_CREDIT_CARD"
-                ],
-                "type": "string"
-              }
-            },
-            "required": [
-              "name",
-              "type"
-            ],
-            "type": "object"
-          },
-          "terms": {
-            "additionalProperties": false,
-            "description": "The terms and conditions of the loan offer.",
-            "properties": {
-              "amount": {
-                "additionalProperties": false,
-                "description": "The principal loan amount.",
-                "properties": {
-                  "amount": {
-                    "type": "number"
-                  },
-                  "currency": {
-                    "const": "USD",
-                    "type": "string"
-                  }
-                },
-                "required": [
-                  "amount",
-                  "currency"
-                ],
-                "type": "object"
-              },
-              "interestRate": {
-                "additionalProperties": false,
-                "description": "Details about the interest rate.",
-                "properties": {
-                  "apr": {
-                    "description": "The Annual Percentage Rate, including fees.",
-                    "type": "number"
-                  },
-                  "rate": {
-                    "description": "The nominal interest rate.",
-                    "type": "number"
-                  },
-                  "type": {
-                    "description": "The type of interest rate.",
-                    "enum": [
-                      "fixed",
-                      "variable"
-                    ],
-                    "type": "string"
-                  }
-                },
-                "required": [
-                  "type",
-                  "rate",
-                  "apr"
-                ],
-                "type": "object"
-              },
-              "payment": {
-                "additionalProperties": false,
-                "description": "Details about the repayment schedule.",
-                "properties": {
-                  "amount": {
-                    "additionalProperties": false,
-                    "description": "The amount of each payment.",
-                    "properties": {
-                      "amount": {
-                        "type": "number"
-                      },
-                      "currency": {
-                        "const": "USD",
-                        "type": "string"
-                      }
-                    },
-                    "required": [
-                      "amount",
-                      "currency"
-                    ],
-                    "type": "object"
-                  },
-                  "frequency": {
-                    "const": "monthly",
-                    "description": "The frequency of payments.",
-                    "type": "string"
-                  }
-                },
-                "required": [
-                  "frequency",
-                  "amount"
-                ],
-                "type": "object"
-              },
-              "prepaymentPenalty": {
-                "description": "Indicates if there is a penalty for early repayment.",
-                "type": "boolean"
-              },
-              "repayment": {
-                "additionalProperties": false,
-                "description": "Summary of repayment details.",
-                "properties": {
-                  "costOfFinancing": {
-                    "description": "The total cost of borrowing (interest and fees).",
-                    "type": "number"
-                  },
-                  "totalRepaymentAmount": {
-                    "description": "The total amount to be repaid over the life of the loan.",
-                    "type": "number"
-                  }
-                },
-                "required": [
-                  "totalRepaymentAmount",
-                  "costOfFinancing"
-                ],
-                "type": "object"
-              },
-              "termMonths": {
-                "description": "The duration of the loan in months.",
-                "type": "number"
-              },
-              "totalCost": {
-                "additionalProperties": false,
-                "description": "The total cost of the loan, including interest and fees.",
-                "properties": {
-                  "amount": {
-                    "type": "number"
-                  },
-                  "currency": {
-                    "const": "USD",
-                    "type": "string"
-                  }
-                },
-                "required": [
-                  "amount",
-                  "currency"
-                ],
-                "type": "object"
-              }
-            },
-            "required": [
-              "amount",
-              "interestRate",
-              "termMonths"
-            ],
-            "type": "object"
-          }
-        },
-        "required": [
-          "offerId",
-          "lender",
-          "product",
-          "terms",
-          "process",
-          "isSecureLendTenant"
-        ],
-        "type": "object"
-      },
-      "type": "array"
-    },
-    "summary": {
-      "additionalProperties": false,
-      "properties": {
-        "bestRate": {
-          "type": "number"
-        },
-        "fastestFunding": {
-          "type": "string"
-        },
-        "totalOffers": {
-          "type": "number"
-        }
-      },
-      "required": [
-        "totalOffers",
-        "bestRate",
-        "fastestFunding"
-      ],
-      "type": "object"
-    }
-  },
-  "required": [
-    "offers",
-    "summary",
-    "metadata"
-  ],
-  "type": "object"
-}New value: +null

First observedMay 27, 2026

TDQS

C2.6/5.0

Behavior2/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations provided, the description carries the full burden of behavioral disclosure. It mentions input criteria (degree type, amount) but does not disclose what the tool returns (e.g., a list of rates, comparison table), whether it performs a read-only lookup or triggers a calculation, or if it requires any user interaction. It does not contradict annotations (none exist), but leaves significant behavioral ambiguity for a comparison tool.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is a single, efficient sentence that is front-loaded with the core action and resource. It is appropriately concise, but it could add a bit more detail without becoming verbose. No wasted words.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness2/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the lack of annotations, output schema, and formal parameters, the description is insufficient for an agent to call the tool correctly. The agent knows the intent but not the expected inputs, the return format, or any side effects. For a comparison tool among many siblings, it needs to specify the type of comparison and the output structure.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The schema is essentially open (additionalProperties: true) with no defined parameters, so the description's mention of 'degree type and amount' provides meaningful guidance on what inputs to provide. However, because there are zero formal parameters, the description does not compensate for the lack of a structured schema; the agent still lacks clear parameter names or formats. Baseline for 0 params is 4, but the vague criteria lower it to 3.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose3/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description states a clear verb ('Compare') and resource ('student loan options and refinancing rates') with specific criteria ('degree type and amount'). It distinguishes from mortgage/business/car loan tools, but the exact scope (e.g., whether it includes federal vs private loans) is vague. It is more specific than a tautology but lacks precision.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines2/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description implies use when comparing student loans, but it provides no explicit guidance on when to use this tool versus siblings like 'compare_personal_loans' or 'compare_car_loans'. There is no mention of prerequisites (e.g., having loan details) or exclusions (e.g., not for refinancing existing loans). The agent must infer usage from the name and criteria.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

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