Student Loan RAP Calculator MCP

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "agi"
  ],
  "properties": {
    "agi": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Adjusted gross income in dollars from the most recent tax return (borrower plus spouse, unless married filing separately)."
    },
    "rate": {
      "type": "number",
      "maximum": 20,
      "minimum": 0,
      "description": "Weighted annual interest rate in percent, for example 6.53. Required with balance."
    },
    "balance": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Total RAP-eligible Direct Loan balance in dollars (optional)."
    },
    "dependents": {
      "type": "integer",
      "maximum": 30,
      "minimum": 0,
      "description": "Number of IRC sec. 152 dependents claimed. Default 0."
    }
  },
  "additionalProperties": false
}

{
  "title": "RAP payment",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "balance",
    "rate",
    "agi"
  ],
  "properties": {
    "agi": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Adjusted gross income in dollars from the most recent tax return (borrower plus spouse, unless married filing separately)."
    },
    "rate": {
      "type": "number",
      "maximum": 20,
      "minimum": 0,
      "description": "Weighted annual interest rate in percent."
    },
    "balance": {
      "type": "number",
      "maximum": 100000000,
      "description": "Total Direct Loan principal in dollars.",
      "exclusiveMinimum": 0
    },
    "dependents": {
      "type": "integer",
      "maximum": 30,
      "minimum": 0,
      "description": "Number of IRC sec. 152 dependents claimed. Default 0."
    },
    "has_loan_on_or_after_2026_07_01": {
      "type": "boolean",
      "description": "True if any Direct Loan (including a consolidation loan) was made on or after July 1, 2026. Then the old 10-year Standard plan is not available. Default false."
    }
  },
  "additionalProperties": false
}

{
  "title": "RAP vs Standard",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "date": {
      "type": "string",
      "description": "Date the period of instruction begins, YYYY-MM-DD. Default today (2026-11-02)."
    },
    "borrower_type": {
      "enum": [
        "dependent_undergraduate",
        "independent_undergraduate",
        "graduate",
        "professional",
        "parent_plus",
        "all"
      ],
      "type": "string",
      "description": "dependent_undergraduate, independent_undergraduate, graduate, professional, parent_plus or all (default)."
    }
  },
  "additionalProperties": false
}

{
  "title": "Federal loan limits",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {
    "on_date": {
      "type": "string",
      "description": "Reference date YYYY-MM-DD for past/upcoming. Default 2026-11-02."
    }
  },
  "additionalProperties": false
}

{
  "title": "Plan transition dates",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}