Studentloan MCP server

Which MCP servers are Studentloan's own, from the official registry and from asking its own domain, whether they answer, and what they offer. A program checked each of these, nobody copied them from a product page.

read 2026-11-01

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Whose server it is

Registry namehelp.studentloan/studentloan-helpverified in the MCP registry

The registry name sits under studentloan.help. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

When we asked itchecked 2026-11-01

Stateanswerschecked 2026-11-01
Tools3
Server calls itselfstudentloan-help
Server version1.0.0
Protocol version2025-06-18

On 2026-11-01 the server answered initialize and tools/list without a sign-in. First answer in 139 ms.

Should an agent connect itNot proven either way yet

Whether its tools do the product's job has not been judged yet.
Checked on 1 of the 7 days it takes to judge reliability.

Once connected

For "compare monthly payments across RAP, IBR, and standard repayment plans", the likely first call is compare_repayment_plans.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

Measured dailydaily checks: 1, the first on 2026-11-01

INITE MCP scoreafter a weeka score needs 7 daily checks: 1 so far
Answeredmeasuring1 of the 7 daily checks it takes to print a share
Median first answer216 ms
Space in an agent's context≈ 2,093 tokensthe definitions of all its tools (3), which an agent carries on every turn
Tool definitionsA · 100 of 100
Typed results0 of 3 toolsdeclared outputSchema: results come typed, read once

Every tool passes all six checks.

What an agent can do with it

can do · compare monthly payments across RAP, IBR, and standard repayment plans
not sure · estimate whether PSLF could forgive the remaining federal loan balance
not sure · weigh refinancing federal loans against the federal protections you would lose

Each of the product's use cases, put to Jev against this server's tool list: can an agent do it with these tools?

Worth a look

None of the five warning signs in these definitions.

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

Tools it offers3 tools · read 2026-11-01

compare_repayment_plans
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…
compare_refinance_offer
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…
get_plan_rules
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…

How to connect

Add the server to your MCP client config. Claude Desktop, Cursor and most other clients read this shape:

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

Add it

Claude Code, in a terminal

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

Add to Cursor Add to VS Code

claude.ai, ChatGPT and other clients: add https://studentloan.help/mcp as a custom connector in the settings.

Each line is something a program found when it went looking: the registry entry, the server's own answer, a spec that parses. A missing line means we did not find it, not that it does not exist.