Koskamo

StudentLoan.help MCP

An MCP server providing federal student loan repayment estimates, comparing RAP, IBR, Standard, and Tiered Standard plans, along with PSLF timing and refinance cost analysis. It allows AI assistants to run calculations based on user-specific loan and income data without requiring authentication.

Visit StudentLoan.help

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

StudentLoan.help MCP logo, by StudentLoan.helpVendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-01Operated by StudentLoan.help
MCP endpoint (Streamable HTTP)
https://studentloan.help/mcp
Vendor documentation

What its tools do

3 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

Read-only (3)

3 of 3 have a description · 3 of 3 declare behavior hints · 3 of 3 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

  • Passed Endpoint answered the live check ·
  • Passed Official MCP Registry namespace is tied to studentloan.help ·
  • Passed Endpoint is on the registry namespace domain ·
  • Availability 1 of 1 checks passed in 30 days

What you can do with it

  • Compare RAP, IBR, Standard, and Tiered Standard payments on user's loans and income
  • Estimate PSLF timing and forgiveness amounts
  • Calculate refinance costs and compare against federal plans
  • Retrieve specific plan rules and regulatory sources

Source and maintenance

Vendor evidenceRegistry 1.2026.1101.1
mcp-registry: help.studentloan/studentloan-help@1.2026.1101.1Project website

Protocol and capabilities

Server
studentloan-help 1.0.0
MCP protocol negotiated in check
2025-06-18
Tools
3 advertised
Resources
Not advertised
Resource templates
Not advertised
Prompts
Not advertised
Server-advertised capabilities
{
  "tools": {
    "listChanged": false
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

StudentLoan.help (studentloan.help) estimates federal student loan payments under the rules in effect from July 1, 2026 (Public Law 119-21 and 34 CFR 685.208-.209): RAP, IBR, 10-year Standard and Tiered Standard, PSLF timing, Parent PLUS options and the cost of a private refinance offer. compare_repayment_plans and compare_refinance_offer run the same month-by-month math as the calculator on the site; get_plan_rules returns the published rules with their statute or regulation. Poverty guidelines are HHS 2026; rules as of 2026-10-24. Results are estimates only, not financial, tax or legal advice, not a servicer quote and not a decision on any borrower's eligibility. They assume steady income growth, no missed payments and no capitalization. Borrowers should confirm with their servicer or the Loan Simulator on studentaid.gov, and know that enrolling in a federal plan is free on studentaid.gov. Every result links to the method page; cite it. Method and sources: https://studentloan.help/how-the-calculator-works/

Tools

3 advertised

compare_repayment_plans — Compare federal student loan repayment plans
Advertised by the server during the last successful anonymous check.
Advertised read-only

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.

compare_repayment_plans input schema
{
  "type": "object",
  "required": [
    "loans",
    "agi"
  ],
  "properties": {
    "agi": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Borrower's adjusted gross income in dollars per year."
    },
    "loans": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "type",
          "balance",
          "rate_pct"
        ],
        "properties": {
          "type": {
            "enum": [
              "direct",
              "ffel",
              "parent_plus",
              "private"
            ],
            "type": "string",
            "description": "direct, ffel (FFEL or Perkins), parent_plus (or a consolidation of one), or private."
          },
          "balance": {
            "type": "number",
            "maximum": 5000000,
            "minimum": 0,
            "description": "Current balance in dollars."
          },
          "rate_pct": {
            "type": "number",
            "maximum": 25,
            "minimum": 0,
            "description": "Annual interest rate in percent, e.g. 6.39."
          }
        },
        "additionalProperties": false
      },
      "maxItems": 20,
      "minItems": 1,
      "description": "Each loan: type, balance in dollars and annual interest rate in percent, e.g. [{\"type\":\"direct\",\"balance\":38000,\"rate_pct\":6.39}]. Direct includes Grad PLUS and Direct Consolidation loans."
    },
    "region": {
      "enum": [
        "contiguous_48_or_dc",
        "alaska",
        "hawaii"
      ],
      "type": "string",
      "default": "contiguous_48_or_dc",
      "description": "Poverty guideline region: contiguous_48_or_dc, alaska or hawaii."
    },
    "employer": {
      "enum": [
        "for_profit",
        "government",
        "nonprofit_501c3",
        "nonprofit_other"
      ],
      "type": "string",
      "default": "for_profit",
      "description": "for_profit (or self-employed), government, nonprofit_501c3 or nonprofit_other. Government and 501(c)(3) add the PSLF projection."
    },
    "full_time": {
      "type": "boolean",
      "default": true,
      "description": "Works at least 30 hours a week for a qualifying employer (needed for PSLF)."
    },
    "dependents": {
      "type": "integer",
      "default": 0,
      "maximum": 20,
      "minimum": 0,
      "description": "Dependents claimed; RAP subtracts $50 a month for each."
    },
    "loan_dates": {
      "enum": [
        "owed_before_2014_07_01",
        "first_loan_2014_to_2026",
        "loan_on_or_after_2026_07_01"
      ],
      "type": "string",
      "default": "first_loan_2014_to_2026",
      "description": "owed_before_2014_07_01 (IBR at 15%), first_loan_2014_to_2026 (IBR at 10%), or loan_on_or_after_2026_07_01 (only RAP and Tiered Standard)."
    },
    "spouse_agi": {
      "type": "number",
      "default": 0,
      "maximum": 10000000,
      "minimum": 0,
      "description": "Spouse's AGI in dollars; counted only when married_joint."
    },
    "filing_status": {
      "enum": [
        "single",
        "married_joint",
        "married_separate"
      ],
      "type": "string",
      "default": "single",
      "description": "single (or head of household), married_joint or married_separate."
    },
    "household_size": {
      "type": "integer",
      "default": 1,
      "maximum": 20,
      "minimum": 1,
      "description": "Household size (borrower, spouse, dependents); sets the poverty line for IBR."
    },
    "income_growth_pct": {
      "type": "number",
      "default": 3,
      "maximum": 20,
      "minimum": 0,
      "description": "Assumed yearly income growth in percent (calculator default 3)."
    },
    "poverty_growth_pct": {
      "type": "number",
      "default": 2.5,
      "maximum": 20,
      "minimum": 0,
      "description": "Assumed yearly poverty guideline growth in percent (calculator default 2.5)."
    },
    "pslf_payments_made": {
      "type": "integer",
      "default": 0,
      "maximum": 120,
      "minimum": 0,
      "description": "PSLF qualifying payments already counted, 0 to 120."
    },
    "spouse_federal_loan_balance": {
      "type": "number",
      "default": 0,
      "maximum": 5000000,
      "minimum": 0,
      "description": "Spouse's federal loan balance; prorates the payment when married_joint."
    }
  },
  "additionalProperties": false
}
compare_repayment_plans annotations
{
  "title": "Compare federal student loan repayment plans",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_refinance_offer — Compare a private refinance offer with federal plans
Advertised by the server during the last successful anonymous check.
Advertised read-only

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.

compare_refinance_offer input schema
{
  "type": "object",
  "required": [
    "loans",
    "agi",
    "offered_apr_pct"
  ],
  "properties": {
    "agi": {
      "type": "number",
      "maximum": 10000000,
      "minimum": 0,
      "description": "Borrower's adjusted gross income in dollars per year."
    },
    "loans": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "type",
          "balance",
          "rate_pct"
        ],
        "properties": {
          "type": {
            "enum": [
              "direct",
              "ffel",
              "parent_plus",
              "private"
            ],
            "type": "string",
            "description": "direct, ffel (FFEL or Perkins), parent_plus (or a consolidation of one), or private."
          },
          "balance": {
            "type": "number",
            "maximum": 5000000,
            "minimum": 0,
            "description": "Current balance in dollars."
          },
          "rate_pct": {
            "type": "number",
            "maximum": 25,
            "minimum": 0,
            "description": "Annual interest rate in percent, e.g. 6.39."
          }
        },
        "additionalProperties": false
      },
      "maxItems": 20,
      "minItems": 1,
      "description": "Each loan: type, balance in dollars and annual interest rate in percent, e.g. [{\"type\":\"direct\",\"balance\":38000,\"rate_pct\":6.39}]. Direct includes Grad PLUS and Direct Consolidation loans."
    },
    "region": {
      "enum": [
        "contiguous_48_or_dc",
        "alaska",
        "hawaii"
      ],
      "type": "string",
      "default": "contiguous_48_or_dc",
      "description": "Poverty guideline region: contiguous_48_or_dc, alaska or hawaii."
    },
    "employer": {
      "enum": [
        "for_profit",
        "government",
        "nonprofit_501c3",
        "nonprofit_other"
      ],
      "type": "string",
      "default": "for_profit",
      "description": "for_profit (or self-employed), government, nonprofit_501c3 or nonprofit_other. Government and 501(c)(3) add the PSLF projection."
    },
    "full_time": {
      "type": "boolean",
      "default": true,
      "description": "Works at least 30 hours a week for a qualifying employer (needed for PSLF)."
    },
    "refinance": {
      "enum": [
        "everything",
        "private_only"
      ],
      "type": "string",
      "default": "everything",
      "description": "everything (federal and private) or private_only."
    },
    "dependents": {
      "type": "integer",
      "default": 0,
      "maximum": 20,
      "minimum": 0,
      "description": "Dependents claimed; RAP subtracts $50 a month for each."
    },
    "loan_dates": {
      "enum": [
        "owed_before_2014_07_01",
        "first_loan_2014_to_2026",
        "loan_on_or_after_2026_07_01"
      ],
      "type": "string",
      "default": "first_loan_2014_to_2026",
      "description": "owed_before_2014_07_01 (IBR at 15%), first_loan_2014_to_2026 (IBR at 10%), or loan_on_or_after_2026_07_01 (only RAP and Tiered Standard)."
    },
    "spouse_agi": {
      "type": "number",
      "default": 0,
      "maximum": 10000000,
      "minimum": 0,
      "description": "Spouse's AGI in dollars; counted only when married_joint."
    },
    "term_years": {
      "enum": [
        5,
        7,
        10,
        15,
        20
      ],
      "type": "integer",
      "default": 10,
      "description": "Refinance term in years: 5, 7, 10, 15 or 20."
    },
    "filing_status": {
      "enum": [
        "single",
        "married_joint",
        "married_separate"
      ],
      "type": "string",
      "default": "single",
      "description": "single (or head of household), married_joint or married_separate."
    },
    "household_size": {
      "type": "integer",
      "default": 1,
      "maximum": 20,
      "minimum": 1,
      "description": "Household size (borrower, spouse, dependents); sets the poverty line for IBR."
    },
    "offered_apr_pct": {
      "type": "number",
      "maximum": 30,
      "minimum": 0.01,
      "description": "APR the lender actually offered, in percent, e.g. 5.5."
    },
    "income_growth_pct": {
      "type": "number",
      "default": 3,
      "maximum": 20,
      "minimum": 0,
      "description": "Assumed yearly income growth in percent (calculator default 3)."
    },
    "poverty_growth_pct": {
      "type": "number",
      "default": 2.5,
      "maximum": 20,
      "minimum": 0,
      "description": "Assumed yearly poverty guideline growth in percent (calculator default 2.5)."
    },
    "pslf_payments_made": {
      "type": "integer",
      "default": 0,
      "maximum": 120,
      "minimum": 0,
      "description": "PSLF qualifying payments already counted, 0 to 120."
    },
    "spouse_federal_loan_balance": {
      "type": "number",
      "default": 0,
      "maximum": 5000000,
      "minimum": 0,
      "description": "Spouse's federal loan balance; prorates the payment when married_joint."
    }
  },
  "additionalProperties": false
}
compare_refinance_offer annotations
{
  "title": "Compare a private refinance offer with federal plans",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
get_plan_rules — Federal repayment plan rules and sources
Advertised by the server during the last successful anonymous check.
Advertised read-only

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.

get_plan_rules input schema
{
  "type": "object",
  "properties": {
    "topic": {
      "enum": [
        "rap",
        "ibr",
        "standard",
        "tiered_standard",
        "pslf",
        "parent_plus",
        "save_ending",
        "poverty_guidelines"
      ],
      "type": "string",
      "description": "One of: rap, ibr, standard, tiered_standard, pslf, parent_plus, save_ending, poverty_guidelines. Omit for a one-line summary of each."
    }
  },
  "additionalProperties": false
}
get_plan_rules annotations
{
  "title": "Federal repayment plan rules and sources",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

90-day uptime

A lightweight connection check about every six hours, sampled on hosts with many listings. It shows the server answered, not that its tools work.

Too few checks for a percentage yet (4 of 4 answered).

  1. 2026-11-02: 3 of 3 checks answered
  2. 2026-11-03: 1 of 1 checks answered

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks
1 of 1 (100%)
Average latency
339 ms
95th percentile latency
339 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

  • · probe · passed · 339 ms · metadata changed · 3 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.
Claude Code configuration
claude mcp add --transport http studentloan-help-mcp https://studentloan.help/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).
Codex configuration
codex mcp add studentloan-help-mcp --url https://studentloan.help/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable studentloan-help-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "studentloan-help-mcp": {
      "url": "https://studentloan.help/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "studentloan-help-mcp": {
      "type": "streamableHttp",
      "url": "https://studentloan.help/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start studentloan-help-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "studentloan-help-mcp": {
      "type": "http",
      "url": "https://studentloan.help/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.
Gemini CLI configuration
gemini mcp add --transport http studentloan-help-mcp https://studentloan.help/mcp

Claude Desktop

Merge this into claude_desktop_config.json (macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\), then restart Claude Desktop.
Claude Desktop configuration
{
  "mcpServers": {
    "studentloan-help-mcp": {
      "url": "https://studentloan.help/mcp"
    }
  }
}

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.
Windsurf configuration
{
  "mcpServers": {
    "studentloan-help-mcp": {
      "serverUrl": "https://studentloan.help/mcp"
    }
  }
}

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