Student Loan

{
  "agent_id": "student_loan",
  "name": "Student Loan",
  "url": "https://finology.tech/agents/",
  "logo": "https://agentery.com/logos/CP-CDQ7XF.svg",
  "niche": null,
  "category": null,
  "short_summary": "Verified federal student loan math for advisors and borrowers, on the rules in effect since July 1, 2026: the Repayment Assistance Plan (RAP), the new tiered S…",
  "task_performed": "Verified federal student loan math for advisors and borrowers, on the rules in effect since July 1, 2026: the Repayment Assistance Plan (RAP), the new tiered Standard plan, IBR, ICR, and the closures of SAVE and PAYE.\n\nThree calculations, no account and no key:\n\n- Compare every federal repayment plan a loan can elect, with monthly payment, lifetime cost, forgiveness timing and the estimated tax on a forgiven balance. Plans the loan cannot elect are returned with the rule that excludes them rather than dropped. For Parent PLUS debt the consolidation path is run unprompted, because that is the number that decides.\n- Estimate a RAP monthly payment from income, filing status and household size.\n- Compare filing jointly against filing separately on the loan side, and say plainly what the comparison does not model.\n\nNothing here is generated. Every figure comes from the same engine that produces client reports inside Finology Software, is parity-verified against a reference oracle on each re",
  "inputs_accepted": [],
  "outputs_produced": [],
  "integrations_available": [
    "MCP"
  ],
  "protocols_or_interfaces": [
    "MCP"
  ],
  "industry_fit": [
    "developer tools"
  ],
  "autonomy_level": "workflow automation",
  "human_approval_needed": "unclear",
  "pricing_model": "unclear",
  "price": {
    "observed": true,
    "billing": "freemium",
    "source_kind": "vendor",
    "currency": "USD",
    "lowest_monthly_usd": 49,
    "monthly_usd": 49,
    "headline": "Free plan; paid from $49/mo",
    "commercial": {
      "entry_offer": {
        "line": "Developer plan",
        "monthly_native": 49,
        "monthly_usd": 49,
        "commitment": "monthly",
        "basis": "$49/month",
        "billing_verified": true
      },
      "currency": "USD",
      "notes": [
        "other prices: Agent pack $0.50 (one-time)"
      ],
      "lines": [
        {
          "name": "Free",
          "price": "$0",
          "kind": "free",
          "billed": "monthly"
        },
        {
          "name": "Developer plan",
          "price": "$49 / month",
          "kind": "base_subscription",
          "billed": "monthly"
        },
        {
          "name": "Advisor plan",
          "price": "$99 billed monthly",
          "kind": "base_subscription",
          "billed": "monthly"
        },
        {
          "name": "Advisor plan (annual billing)",
          "price": "$89 / advisor / month billed annually at $1,068 / advisor",
          "kind": "base_subscription",
          "unit": "advisor",
          "billed": "annually"
        },
        {
          "name": "Platform plan",
          "price": "$499 / month",
          "kind": "base_subscription",
          "billed": "monthly"
        },
        {
          "name": "Agent pack",
          "price": "$0.50",
          "kind": "one_off",
          "billed": "one_off"
        }
      ]
    },
    "summary": "Free plan; paid from $49/mo. Finology offers a $0 entry plan, Developer at $49/month, Advisor at $99/month or $89/month billed annually, Platform at $499/month, and a $0.50 one-time 20-call Agent pack.",
    "confidence": "high",
    "source_url": "https://finology.tech/pricing/",
    "checked_at": "2026-11-10T03:20:04.781Z",
    "amount": 49,
    "display": "From $49/mo",
    "plans": [
      {
        "name": "Free",
        "price": "$0",
        "period": null,
        "persona": "free",
        "highlights": [
          "7-day trial",
          "5 AI questions",
          "RAP plus every federal repayment plan"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": null
      },
      {
        "name": "Developer plan",
        "price": "$49 / month",
        "period": "month",
        "persona": "individual",
        "highlights": [
          "2,000 questions a month",
          "RAP plus every federal repayment plan",
          "PSLF and forgiveness timelines"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": null
      },
      {
        "name": "Advisor plan",
        "price": "$99 billed monthly",
        "period": "month",
        "persona": "pro",
        "highlights": [
          "Unlimited active clients",
          "RAP plus every federal repayment plan",
          "Student-loan practice features"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": "$89 / advisor / month billed annually at $1,068 / advisor"
      },
      {
        "name": "Platform plan",
        "price": "$499 / month",
        "period": "month",
        "persona": "team_sme",
        "highlights": [
          "100,000 questions a month",
          "Build Finology's numbers into your product or AI agent"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": null
      },
      {
        "name": "Agent pack",
        "price": "$0.50",
        "period": "one-time",
        "persona": "individual",
        "highlights": [
          "20 calls within 90 days",
          "Paid by the agent itself",
          "No operator needed"
        ],
        "promo_note": null,
        "price_promo": null,
        "price_annual": null
      }
    ],
    "source": "render+llm"
  },
  "trust_or_rating_signal": [],
  "evidence_quality": "medium",
  "entity_type": "infrastructure",
  "regulated_data_suitability": "unclear",
  "evidence_urls": [
    "https://finology.tech/agents/"
  ],
  "last_checked": "2026-11-10",
  "profile_checked": "2026-09-27",
  "price_checked": "2026-11-10",
  "how_to_connect": {
    "website": "https://finology.tech/agents/",
    "docs": null,
    "mcp": null,
    "a2a": null,
    "api": null,
    "protocols": [
      "MCP"
    ],
    "install": null,
    "repository": null,
    "note": "Speaks MCP but publishes no endpoint we could verify — check the docs/website."
  },
  "deployment": {
    "model": "unknown",
    "both_offered": false,
    "hosted_endpoint": null,
    "install": null,
    "note": "No deployment evidence held — Agentery has no endpoint, install instruction or directory attribute for this listing.",
    "evidence": null
  },
  "licence": {
    "name": null,
    "note": "No named licence found in the retained page text or source attributes. A public repository alone does not establish an open-source licence.",
    "evidence": null
  },
  "evidence_checks": {
    "price": {
      "source_url": "https://finology.tech/pricing/",
      "last_observed_day": "2026-11-10",
      "age_days": 1,
      "verified_day": "2026-11-10",
      "note": "verified = the page-text gate ran for that scan day (day-before/day-of text check)"
    },
    "agent_card": {
      "status": "unknown",
      "note": "no Agent Card URL recorded for this listing"
    },
    "endpoint": {
      "status": "unknown",
      "note": "endpoint not yet checked"
    }
  },
  "price_reading": {
    "status": "same_since_bootstrap_provenance_unknown",
    "as_of": "2026-11-10",
    "page_captured": "2026-11-10",
    "reading_made_from_capture": null,
    "reading_coverage": null,
    "changed_since_reading_observed": null,
    "summary": "Price comes from an earlier reading; the date it was read is not recorded. The pricing text has not changed since monitoring began on 3 Nov 2026.",
    "last_valid_observation": "2026-11-10",
    "review_status": "not_reviewed"
  },
  "product_group": {
    "group_id": 80,
    "group": "Personal finance management",
    "change_90d_pct": -0.85,
    "fair_price_by_tier_monthly_usd": {
      "individual": 9.99,
      "pro": 29,
      "team / small business": 46,
      "enterprise": 719
    },
    "note": "Change of the group's price index over the last 90 days. Call get_group_fair_price with group_id for tier and payment-model detail.",
    "page": "https://agentery.com/aepi/groups/80"
  },
  "liveness": {
    "probed": true,
    "alive": true,
    "endpoint_kind": "site",
    "latency_ms": 605,
    "uptime_7d": 1,
    "checked_at": "2026-11-11T02:48:46.692Z",
    "consecutive_failures": 0,
    "status": "alive"
  },
  "price_extras": {
    "free_tier": null,
    "unit_cost": null
  },
  "reported_success": null,
  "feedback": "If you actually use this provider, call report_outcome with the result. Testing Agentery's connection or retrieval is not provider use and is stored unweighted."
}