Student Loan RAP Calculator

io.github.theluckystrike/student-loan-repayment-assistance-plan-calculator-mcp · v1.0.0 · finance-and-payments

Student Loan RAP Calculator is healthy: it completed an MCP handshake in 1084 ms and exposes 4 tools.

Student loan RAP payment calculator, 2026 federal loan limits, SAVE/PAYE/ICR end dates (OBBBA).

Endpoint: https://student-loan-repayment-assistance-plan-calculator-mcp.lipmichal.workers.dev/mcp (streamable-http)

Facts

Checked (UTC)	Status	Latency	Error
2026-11-02T08:00:22.888Z	Healthy	1084

`calculate_rap_payment`	Calculates the federal student loan Repayment Assistance Plan (RAP) payment created by the One Big Beautiful Bill Act (P.L. 119-21, HEA sec. 455(q)), open since July 1, 2026. Base payment is 1% to 10% of the WHOLE AGI by $10,000 band ($120 a year flat at $10,000 or less, 10% above $100,000), divided
`compare_rap_vs_standard`	Compares the new Repayment Assistance Plan with the Tiered Standard plan (P.L. 119-21: 10 years under $25,000, 15 under $50,000, 20 under $100,000, 25 at $100,000 or more) and, for borrowers with no loan made on or after July 1, 2026, the 10-year Standard plan. Returns monthly payment, months, total
`get_federal_loan_limits`	Returns federal Direct Loan borrowing limits in force on a date. From July 1, 2026 (P.L. 119-21 sec. 81001): Grad PLUS ends for new borrowers; graduate unsubsidized $20,500 a year / $100,000 aggregate; professional $50,000 a year / $200,000 aggregate; Parent PLUS $20,000 a year and $65,000 total per
`get_plan_transition_dates`	Lists the dated steps of the federal student loan repayment overhaul: SAVE ended by court order (March 2026) with 90-day servicer notices from July 1, 2026 plus a final 30-day notice; RAP and the Tiered Standard plan from July 1, 2026; deferment and forbearance limits on loans from July 1, 2027; PAY