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    US federal student loan repayment math for AI agents, from a parity-verified engine rather than estimated. RAP, IBR, ICR, PAYE and tiered Standard payments with forgiveness timing and tax on forgiveness, plus the plans a borrower is excluded from and the rule why, such as Parent PLUS not qualifying for RAP. No key to start; keyed answers at mcp.finology.tech/mcp add citations.
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    MIT