{
  "name": "studentloan-help",
  "title": "StudentLoan.help: federal repayment plan calculator",
  "description": "Free, read-only MCP server that estimates federal student loan payments under the rules in effect from July 1, 2026 (Public Law 119-21, 34 CFR 685.208-.209): RAP, IBR, 10-year Standard and Tiered Standard compared on the borrower's own numbers, PSLF timing, Parent PLUS options, a private refinance offer against the cheapest federal plan, and the published plan rules with their statutes and regulations. Same math as the studentloan.help calculator; estimates only. No authentication.",
  "registryDescription": "Federal student loan repayment estimates: RAP, IBR, Standard, Tiered Standard, PSLF, refinance.",
  "version": "1.0.0",
  "url": "https://studentloan.help/mcp",
  "transport": {
    "type": "streamable-http",
    "url": "https://studentloan.help/mcp"
  },
  "remotes": [
    {
      "type": "streamable-http",
      "url": "https://studentloan.help/mcp"
    }
  ],
  "authentication": {
    "type": "none",
    "required": false
  },
  "protocolVersions": [
    "2026-07-28",
    "2025-11-25",
    "2025-06-18",
    "2025-03-26",
    "2024-11-05"
  ],
  "capabilities": {
    "tools": {
      "listChanged": false
    }
  },
  "tools": [
    {
      "name": "compare_repayment_plans",
      "title": "Compare federal student loan repayment plans",
      "description": "Estimates each federal repayment plan on the borrower's own numbers (RAP, IBR, 10-year Standard, Tiered Standard under the 2026 rules): first monthly payment, total paid, years to payoff or forgiveness, amount forgiven, which plans are open given loan dates, the cheapest plan, PSLF timing for government or 501(c)(3) workers, and Parent PLUS options. Same math as the studentloan.help calculator. Estimates only.",
      "readOnly": true
    },
    {
      "name": "compare_refinance_offer",
      "title": "Compare a private refinance offer with federal plans",
      "description": "Given an APR and term a lender has offered, returns the refinanced monthly payment and total, compares it with the cheapest federal plan (or with PSLF, which refinancing would end), and lists the federal protections lost. Same math as the studentloan.help calculator. It shows no lender rates of its own.",
      "readOnly": true
    },
    {
      "name": "get_plan_rules",
      "title": "Federal repayment plan rules and sources",
      "description": "The published rules behind each federal student loan plan as studentloan.help states them: RAP, IBR, Standard, Tiered Standard, PSLF, Parent PLUS, the end of SAVE and the 2026 poverty guidelines. Returns the formulas, dates and limits with the statute or regulation and a page link. Omit topic for the list of topics.",
      "readOnly": true
    }
  ],
  "documentation": "https://studentloan.help/developers/",
  "websiteUrl": "https://studentloan.help/developers/",
  "publisher": {
    "name": "StudentLoan.help",
    "url": "https://studentloan.help/",
    "contact": "hello@studentloan.help"
  },
  "privacyPolicy": "https://studentloan.help/privacy/",
  "termsOfService": "https://studentloan.help/terms/",
  "license": "Free to use with credit to studentloan.help and a link; plan rules are federal law and regulation (public domain)",
  "icon": "https://studentloan.help/icon-512.png"
}