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Finology Student Loan Calculator

by tech.finology
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Server Details

Student-loan math: RAP, IBR, ICR, PSLF. npx: no key. Remote: free login, no card, 5 questions total

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Status
Unhealthy
Uptime
64.9% over 45 days
OAuth
Works in Glama
Last Tested
Transport
Streamable HTTP
URL
Repository
Finology-tech/finology-mcp
GitHub Stars
0
Server Listing
finology-student-loan

TDQS

A4.3/5.0

Scored across 4 tools

Disambiguation4/5

compare_federal_student_loan_repayment_plans and compare_married_filing_jointly_vs_separately_student_loans could be confused at first glance, but the former contrasts all plans for a loan while the latter isolates the filing-status swing. estimate_rap_monthly_payment overlaps with the RAP row in the first tool, but its description explicitly limits it to a quick RAP-only estimate, so the boundaries are mostly clear.

Naming Consistency4/5

All tool names use snake_case, and the first three follow a verb_object pattern (compare_/estimate_), which is predictable. finology_service_info breaks the pattern by leading with the brand name instead of a verb, but the deviation is minor and the names remain readable.

Tool Count5/5

Four tools is well-scoped for a focused federal student loan calculator: full plan comparison, filing-status comparison, a quick RAP estimate, and service/product info. Each tool has a clear place, and none feels redundant at this level.

Completeness4/5

The core federal repayment space is covered, including all eligible plans, forgiveness and tax estimates, Parent PLUS consolidation, married filing-status impact, and RAP-only estimates. The main gaps are acknowledged limitations, such as not modelling the tax side of filing separately, and there is no standalone non-RAP payment estimator, but the compare tool covers those outputs.

Tool Schema Changelog

Recent tool additions, removals, and schema changes observed during successful MCP inspections.

  1. 1 tool update
    • Changedestimate_rap_monthly_payment2 fields changed
      • removedInput schema / properties / dependents
        Removed value: -{
-  "default": 0,
-  "description": "Number of qualifying dependents (IRC 152). A spouse is not a dependent.",
-  "type": "integer"
-}
      • changedInput schema / properties / familySize / description
        Previous value: -"Household size including the borrower."New value: +"Household size: the borrower, PLUS the spouse when filing jointly, PLUS dependents. 1 = borrower only; a joint filer with two children is 4. RAP's $50 deduction is per QUALIFYING DEPENDENT, which is derived from this and echoed in the response, because a spouse is not a dependent."
  2. 4 tool updates
    • First observedcompare_federal_student_loan_repayment_plans
    • First observedcompare_married_filing_jointly_vs_separately_student_loans
    • First observedestimate_rap_monthly_payment
    • First observedfinology_service_info

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