@finology/mcp-server 0.4.6 → 0.4.8

This diff represents the content of publicly available package versions that have been released to one of the supported registries. The information contained in this diff is provided for informational purposes only and reflects changes between package versions as they appear in their respective public registries.
Files changed (6) hide show
  1. package/README.md +31 -10
  2. package/dist/client.js +4 -4
  3. package/dist/client.js.map +1 -1
  4. package/dist/index.js +1 -0
  5. package/dist/index.js.map +1 -1
  6. package/package.json +1 -1
package/README.md CHANGED
@@ -7,7 +7,7 @@
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  **Language models guess at federal student loan rules. This doesn't.**
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- `@finology/mcp-server` connects Claude, Cursor, or any MCP client directly to
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+ `@finology/mcp-server` connects Claude, GitHub Copilot, Cursor, or any MCP client directly to
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  [Finology Software](https://finology.tech)'s parity-verified federal repayment engine. Every
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  number is computed server-side against current federal rules and returned with a
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  `parityVerified` flag. No formulas are approximated, and none are hardcoded into this package.
@@ -24,14 +24,17 @@ wrong most confidently:
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  $50 per *qualifying dependent* — and a spouse is not a dependent. Approximating it from older
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  IDR formulas gives the wrong answer.
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  - **A consolidation that repaid a PLUS loan is restricted to ICR.**
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- - **PAYE and SAVE are closed to new enrollment.**
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+ - **PAYE and ICR are still open, with conditions, until no later than July 1, 2028.** Following
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+ Federal Student Aid, PAYE is open to a PAYE "new borrower" with no new loan or consolidation on
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+ or after July 1, 2026, and ICR is open to eligible loan types. Loans made on or after July 1, 2026
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+ can use only the tiered Standard plan or RAP. SAVE is closed to new enrollment.
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  ## Tools
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  ### `compare_federal_student_loan_repayment_plans`
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- Compares a balance across every plan the borrower is actually eligible for — RAP, IBR, ICR, PAYE,
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- SAVE, Graduated, Extended, tiered Standard — returning monthly payment, lifetime cost, projected
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+ Compares a balance across every plan the borrower is actually eligible for — Standard, tiered
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+ Standard, RAP, IBR, PAYE and ICR — returning monthly payment, lifetime cost, projected
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  forgiveness and tax on forgiveness for each, **plus the plans that are excluded and the
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  eligibility rule that excludes them.**
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@@ -47,7 +50,7 @@ filing the household payment is split by each spouse's share of the combined bal
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  **It answers half the question on purpose, and says so.** The engine models the loan side exactly and
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  does not model the tax cost of filing separately — lost credits, worse brackets, community-property
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- splits — which is often large enough to reverse the answer. Returning only the favourable half as if
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+ splits — which is often large enough to reverse the answer. Returning only the favorable half as if
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  it were the whole decision would be the same confident half-truth this server exists to replace.
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  ### `estimate_rap_monthly_payment`
@@ -60,17 +63,35 @@ real answer.
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  Every answer ends with the next rung, and `finology_service_info` returns it structured:
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- - **Advisor:** Finology Software, US $99 per advisor per month or $89 per month billed annually, with a self-serve 7-day trial (card on file, nothing charged until it ends). Includes client file import, saved scenarios, branded client reports, and the student loan and SAI calculators on up to 2 of the firm's own websites.
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+ - **Advisor:** Finology Software, US $99 per advisor per month or $89 per month billed annually, with a self-serve 7-day trial, no card required (add a card to keep the subscription after day 7). Includes client file import, saved scenarios, branded client reports, and the student loan and SAI calculators on up to 2 of the firm's own websites.
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  - **Developer / operator:** an instant free sandbox key (`POST https://api.finology.tech/v1/keys/sandbox`,
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  25 calls/month), then the keyed endpoints with `X-Api-Key`. The keyed rung is the answer-of-record
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  surface: every answer is persisted with its rule version and an inputs hash before it is served.
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- Production limits by email until self-serve checkout ships. Docs: https://finology.tech/developers/
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+ Production access is self-serve: Developer, US $49 a month for 2,000 calls, or Platform, US $499 a month
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+ for 100,000 calls. Docs: https://finology.tech/developers/
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+ - **Keyed remote MCP:** `https://mcp.finology.tech/mcp`. Sign in with a Finology Software login (OAuth),
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+ which is how Claude, ChatGPT and Microsoft Copilot connect, or send the `X-Api-Key` header. Every answer is logged and carries a
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+ verify link.
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  ## Install
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  **Claude (web, desktop and mobile) — one click.** Finology Software is listed in the
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  [Claude Connectors Directory](https://claude.ai/directory/finology-student-loans). Add the
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- connector there and Claude calls the engine directly. No account, no key, nothing to configure.
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+ connector there and sign in with a free Finology Software login (no card): 5 questions in total,
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+ no daily limit. Subscribers are unlimited, and a subscriber's login also lists their own clients in
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+ the same connector (`list_my_clients`, `run_projection_for_client`,
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+ `get_balance_trajectory_for_client`).
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+
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+ **ChatGPT.** Finology Software is in the
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+ [ChatGPT plugin directory](https://chatgpt.com/plugins/plugin_asdk_app_6abbf32753248191a0dbf90da0f2a5b6),
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+ with the same free login.
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+
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+ **Microsoft Copilot.** GitHub Copilot (including its free plan) adds the remote server once:
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+ `copilot mcp add --transport http finology https://mcp.finology.tech/free`, then signs in with a
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+ Finology Software login the first time it calls a tool; GitHub Copilot in Visual Studio Code uses the
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+ same address and sign-in. In Copilot Studio, add a Model Context Protocol tool with that URL and
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+ OAuth 2.0 Dynamic discovery; running the agent uses your firm's Copilot credits. Setup:
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+ https://finology.tech/finology-software-in-microsoft-copilot/
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  Everything below is the manual route, for other MCP clients or for a local install.
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@@ -87,7 +108,7 @@ Claude Desktop — add to `claude_desktop_config.json`:
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  }
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  ```
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- No API key. No account. The calculation endpoints are public.
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+ The local package needs no API key and no account: it calls the public calculation endpoints.
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  ## What is and is not in this repository
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@@ -108,7 +129,7 @@ These tools return figures. They do not produce client-facing deliverables, save
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  parse NSLDS files, or track PSLF qualifying payments over time. For those, and for a book of
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  borrowers kept current as the rules change: **[finology.tech](https://finology.tech/?utm_source=mcp&utm_medium=ai_agent)**
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- Rate-limited per IP. Not financial advice.
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+ The local package is rate-limited per IP. Not financial advice.
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  ## License
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package/dist/client.js CHANGED
@@ -108,11 +108,11 @@ export const CTA = "\n\n---\n" +
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  "https://finology.tech/agents/\n" +
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  "- The keyed rung is the answer-of-record surface: every answer is persisted before it is served, " +
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  "with the rule version and an inputs hash, so a number can be traced later. Production access is " +
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- "self-serve (US $499 a month for 100,000 calls a month, cancel any time): the sandbox response names " +
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+ "self-serve (US $49 a month for 2,000 calls or US $499 a month for 100,000 calls, cancel any time): the sandbox response names " +
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  "the Payment Link; after the operator pays with the same email, POST https://api.finology.tech/v1/keys/claim " +
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  "with the sandbox key returns the production key to the agent directly. Terms: https://finology.tech/api-terms/\n" +
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- "- If you are an MCP client, the shortest upgrade is not REST: point at ";
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- "https://mcp.finology.tech/mcp with the same X-Api-Key header and keep the client you already ";
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- "have. Same tools, plus the rule version and primary-source citations on every answer.\n" +
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+ "- If you are an MCP client, the shortest upgrade is not REST: point at " +
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+ "https://mcp.finology.tech/mcp with the same X-Api-Key header, or sign in there with a Finology Software " +
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+ "login (OAuth), and keep the client you already have. Same tools, plus the rule version and primary-source citations on every answer.\n" +
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  "Call the finology_service_info tool for this in structured form.";
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  //# sourceMappingURL=client.js.map
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package/dist/index.js CHANGED
@@ -86,6 +86,7 @@ async function main() {
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  url: "https://mcp.finology.tech/mcp",
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  transport: "streamable-http",
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  authHeader: "X-Api-Key",
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+ oauth: "or sign in with a Finology Software login (OAuth 2.1), which is how Claude connects",
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  note: "The same key works here. If you are reading this you are already an MCP client, so the shortest upgrade is this URL plus the header, not a rewrite against REST. Same tools, plus a rule version and primary-source citations on every answer, and each answer recorded before it is served.",
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  tools: ["run_projection", "compare_scenarios", "get_eligible_plans", "get_plan_types"],
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  },
package/dist/index.js.map CHANGED
@@ -1 +1 @@
1
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package/package.json CHANGED
@@ -1,7 +1,7 @@
1
1
  {
2
2
  "name": "@finology/mcp-server",
3
3
  "mcpName": "tech.finology/student-loan",
4
- "version": "0.4.6",
4
+ "version": "0.4.8",
5
5
  "description": "Deterministic 2026 federal student loan math for AI agents. RAP, IBR, ICR, PSLF payments, plan eligibility, and the married-filing-jointly vs separately trade-off, from Finology Software's parity-verified engine, so assistants stop guessing at federal repayment rules.",
6
6
  "license": "MIT",
7
7
  "type": "module",