The repayment calculator as an MCP server

Add it to your AI assistant

Server URL (Streamable HTTP, no key, read-only):

https://studentloan.help/mcp

Claude (claude.ai and the desktop app)

Settings, then Connectors, then Add custom connector. Paste the URL and save. No sign-in is needed.

ChatGPT

Settings, then Apps and Connectors. Turn on Developer mode under Advanced, choose Create, paste the URL and set authentication to none.

Grok

grok.com, then Connectors, then New connector, then Custom. Paste the URL.

Perplexity

Settings, then Connectors, then Add custom connector, then MCP. Paste the URL and choose no authentication.

Mistral Le Chat

Intelligence, then Connectors, then Add connector, then Custom MCP connector. Paste the URL.

Claude Code:

claude mcp add --transport http studentloan-help https://studentloan.help/mcp

Cursor (~/.cursor/mcp.json) and other clients that read mcpServers:

{
  "mcpServers": {
    "studentloan-help": {
      "url": "https://studentloan.help/mcp"
    }
  }
}

VS Code (.vscode/mcp.json):

{
  "servers": {
    "studentloan-help": {
      "type": "http",
      "url": "https://studentloan.help/mcp"
    }
  }
}

Gemini CLI (~/.gemini/settings.json):

{
  "mcpServers": {
    "studentloan-help": {
      "httpUrl": "https://studentloan.help/mcp"
    }
  }
}

Menu names change as the apps update. If a step has moved, look for "connectors" or "MCP" in the app's settings.

Tools

Tool	What it returns	Try asking
compare_repayment_plans	RAP, IBR, 10-year Standard and Tiered Standard on your loans and income: first payment, total paid, years to payoff or forgiveness, amount forgiven, which plans are open given your loan dates, PSLF timing and Parent PLUS options.	I owe $38,000 at 6.39% and make $55,000. Is RAP or IBR cheaper for me?
compare_refinance_offer	The payment and total on an APR a lender offered you, against your cheapest federal plan or PSLF, and the federal protections a refinance gives up.	A lender offered me 5% for 10 years. Should I refinance my federal loans?
get_plan_rules	The rules behind RAP, IBR, Standard, Tiered Standard, PSLF, Parent PLUS, the end of SAVE and the 2026 poverty guidelines, with the law or regulation for each.	How is the RAP payment calculated?

Discovery file: /.well-known/mcp.json. Every formula and source: How the calculator works.

License and attribution

Free to use. Please credit StudentLoan.help with a link to studentloan.help. The plan rules are federal law and regulation. Nothing returned is financial, tax or legal advice, and StudentLoan.help is not affiliated with the Department of Education or any loan servicer.

Questions

Is there a cost or an API key?

No. The server is free, read-only and needs no key or sign-in. It does not keep the loan or income numbers you send it.

Is it the same as the calculator on this site?

Yes. It runs the same month-by-month math and the same rules as the calculator, so an assistant gets the numbers you would see here. The method page lists every formula and its source.

Can I rely on the numbers?

They are estimates, not advice and not a quote from your servicer. They assume steady income growth, no missed payments and no capitalization. Confirm with your servicer or the Loan Simulator on studentaid.gov before you choose a plan.

Questions or an error in a result: contact us. Privacy and terms.