# Finology Student Loan MCP server

Source: https://glimind.com/server/mcp-registry%2Ftech.finology%2Fstudent-loan
Registry id: `mcp-registry/tech.finology/student-loan`
Status: auth-required (checked 2026-10-27T07:15:34.093Z)

## Verdict

Finology Student Loan MCP server answered 100% of Glimind's liveness checks over 30 days, better than 42% of MCP servers, with 557 ms median handshake and 3 outages in 90 days. Its agent-readiness grade is A (96/100) across 4 tools, costing an agent about 1,157 tokens to load. Checked every few minutes; no tool is ever called.

## Measurements (30 days)

| Metric | Value | Better than |
|---|---|---|
| Uptime, 30 days | 100% | 42% of MCP servers |
| Median handshake latency | 557 ms | 42% of MCP servers |
| p95 handshake latency | 2707 ms | — |
| Checks in 30 days | 477 | — |
| Outages, 90 days | 3 | — |
| Median recovery | 15 min | — |
| Agent-readiness score | 96/100 (A) | 82% of MCP servers |
| Tools | 4 | — |
| Tool-list size for an agent | ~1,157 tokens | 70% of MCP servers |
| Days observed | 29 | — |

## Install

```json
{
  "mcpServers": {
    "finology-student-loan-mcp-server": {
      "type": "http",
      "url": "https://mcp.finology.tech/free"
    }
  }
}
```

Claude Code:

```sh
claude mcp add --transport http finology-student-loan-mcp-server https://mcp.finology.tech/free
```

## Tools (4)

- `compare_federal_student_loan_repayment_plans`: Compare every federal repayment plan a loan can elect (Standard, RAP, IBR, PAYE, ICR) on the current federal rules: monthly payment, lifetime cost, forgiveness 
- `compare_married_filing_jointly_vs_separately_student_loans`: Run the same federal loan book filing jointly and filing separately and report the swing in the best income-driven plan's payment and lifetime cost. LOAN SIDE O
- `estimate_rap_monthly_payment`: Estimate the RAP (Repayment Assistance Plan) monthly payment from income, filing status and household size, on the current federal rules. RAP payment only: not 
- `finology_service_info`: How to go further than this free rung, in structured form: the self-serve paths for an advisor (app trial) and for a developer or operator (instant sandbox key,

Measured by Glimind (https://glimind.com): MCP handshake + tool list only, no tool is ever called. CC BY 4.0.