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finology.tech

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Model RAP, IDR, PSLF and refinancing side by side, import a client's NSLDS file, and print client-ready reports. Built for the 2026 federal rules.
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    run_projectionAction

    Run one parity-verified federal student-loan repayment projection under a single plan. Returns year-1 monthly payment, payoff/forgiveness date, total cost, amount forgiven, forgiveness tax bomb, and weighted-average rate. Provide a scenario (plan + household income/filing/state) and a loan book.

    View tool JSON
    {
      "name": "run_projection",
      "kind": "act",
      "impl": "imperative",
      "description": "Run one parity-verified federal student-loan repayment projection under a single plan. Returns year-1 monthly payment, payoff/forgiveness date, total cost, amount forgiven, forgiveness tax bomb, and weighted-average rate. Provide a scenario (plan + household income/filing/state) and a loan book.",
      "inputSchema": {
        "type": "object",
        "required": [
          "scenario",
          "loans"
        ],
        "properties": {
          "scenario": {
            "type": "object",
            "properties": {
              "planType": {
                "type": "string",
                "description": "Exact plan string, e.g. REPAYMENT ASSISTANCE, STANDARD, INCOME BASED, PAY AS YOU EARN, SAVE."
              },
              "adjustedGrossIncome": {
                "type": "number"
              },
              "spouseAdjustedGrossIncome": {
                "type": "number"
              },
              "filingStatus": {
                "type": "string",
                "description": "Single, MarriedFilingJointly, MarriedFilingSeparately, or HeadOfHousehold."
              },
              "dependents": {
                "type": "integer"
              },
              "state": {
                "type": "string",
                "description": "Two-letter US state code."
              },
              "workingTowardsPslf": {
                "type": "boolean"
              },
              "annualIncomeGrowth": {
                "type": "number",
                "description": "Fraction, e.g. 0.03 = 3%/yr."
              }
            }
          },
          "loans": {
            "type": "array",
            "description": "1-100 federal loans.",
            "items": {
              "type": "object",
              "properties": {
                "loanType": {
                  "type": "string"
                },
                "principalBalance": {
                  "type": "number"
                },
                "interestBalance": {
                  "type": "number"
                },
                "interestRate": {
                  "type": "number",
                  "description": "Fraction, e.g. 0.0654 = 6.54%."
                },
                "disbursedAmount": {
                  "type": "number"
                },
                "idrMonthsInRepayment": {
                  "type": "integer"
                },
                "pslfCount": {
                  "type": "integer"
                }
              }
            }
          }
        }
      },
      "page": "/"
    }
    compare_scenariosAction

    Compare 2-10 repayment scenarios (commonly the same loans under RAP vs Standard vs IBR vs PAYE) and return the engine-decided lowest-total-cost plan.

    View tool JSON
    {
      "name": "compare_scenarios",
      "kind": "act",
      "impl": "imperative",
      "description": "Compare 2-10 repayment scenarios (commonly the same loans under RAP vs Standard vs IBR vs PAYE) and return the engine-decided lowest-total-cost plan.",
      "inputSchema": {
        "type": "object",
        "required": [
          "arms"
        ],
        "properties": {
          "arms": {
            "type": "array",
            "description": "2-10 arms; each arm = one scenario + its loan book.",
            "items": {
              "type": "object"
            }
          }
        }
      },
      "page": "/"
    }
    get_eligible_plansAnswer

    List the repayment plans each federal loan is eligible for, using Finology Software deterministic eligibility rules. Call before run_projection.

    View tool JSON
    {
      "name": "get_eligible_plans",
      "kind": "answer",
      "impl": "imperative",
      "description": "List the repayment plans each federal loan is eligible for, using Finology Software deterministic eligibility rules. Call before run_projection.",
      "inputSchema": {
        "type": "object",
        "required": [
          "loans"
        ],
        "properties": {
          "loans": {
            "type": "array",
            "items": {
              "type": "object"
            }
          }
        }
      },
      "page": "/"
    }
    get_plan_typesAnswer

    Return the exact accepted repayment-plan-type strings. Call first if unsure.

    View tool JSON
    {
      "name": "get_plan_types",
      "kind": "answer",
      "impl": "imperative",
      "description": "Return the exact accepted repayment-plan-type strings. Call first if unsure.",
      "inputSchema": {
        "type": "object",
        "properties": {}
      },
      "page": "/"
    }