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Finology Student Loan MCP server

Lets your AI do federal student loan math on 2026 rules, like comparing repayment plans and RAP payments.

This is a helper made by Finology Software that connects your AI to a real federal student loan calculator. Instead of guessing at repayment rules, your AI gets actual numbers back from Finology's engine. It is handy for anyone who works with borrowers, like financial advisors, HR benefits people, or just someone trying to understand their own loans.

What is an MCP server? The 30-second version

On its own, your AI can only chat. It does not know the current federal student loan rules, so it often makes up numbers that sound right. An MCP server is a small helper program that gives your AI a new skill or a connection to a service, here to Finology Software's repayment engine. When you ask your AI a loan question, it quietly passes the question to this helper, which does the math on Finology's servers and hands the answer back.

What this MCP server does

You ask your AI something like how much a borrower would pay under different repayment plans. Your AI sends the details you gave it, like the loan balance and income, to this helper. The helper talks to Finology's calculation engine, which runs the numbers against current federal rules. Then you get a clear answer back in the chat, with monthly payments, lifetime costs, and which plans the borrower qualifies for. Every answer comes with a flag saying it was checked against the real rules.

What you can do with it

Compare monthly payments across every repayment plan a borrower is eligible for
See which plans are excluded and the exact rule that excludes them
Estimate the monthly payment under the RAP plan
Compare filing taxes jointly versus separately for a married borrower
See projected forgiveness amounts and the tax owed on forgiveness
Check lifetime cost of a loan under each plan

Try asking your AI

“I have a $60,000 federal loan balance and make $75,000 a year. Which repayment plan gives me the lowest monthly payment?”
“My spouse and I both have federal student loans. Should we file our taxes jointly or separately?”
“What would my monthly payment be under the RAP plan if my income is $90,000?”
“I have a Parent PLUS loan. Can I use the RAP plan?”

What it gives back to you

You get back a clear breakdown in the chat: monthly payment amounts, total cost over the life of the loan, and any projected forgiveness with the tax on it. It also tells you which plans you do not qualify for and why. Every answer includes a note that it was checked against current federal rules. If you asked about filing jointly versus separately, you get both scenarios side by side.

Before you start

What you need

An MCP client like Claude Desktop, Cursor, or another app that supports MCP servers
Node.js installed on your computer if you use the local install route
For the one-click Claude connector: a free Finology Software login (no card needed)

Good to know

These tools give you numbers and comparisons, not financial advice, and the filing-status tool does not include the tax cost of filing separately, so the answer may be incomplete.

Install it with your AI

Add Finology Student Loan MCP server to your AI, no technical skills needed

You don't install anything by hand. You copy one prompt, paste it into an AI that can work on your computer, and it checks, installs and connects the server for you, asking you when it needs something.

Sign in to get the install prompt

Members get a ready-made prompt that lets the Claude desktop app check Finology Student Loan MCP server, install it and connect it for them, step by step. You don't need any technical skills: you copy, paste and answer a few questions. Your connected AI can also find and install any of the 4,361 MCP servers here for you.