MCP server health, State of MCP census
Finology Student Loan Calculator
tech.finology/student-loan
Free, keyless federal student-loan math: RAP, IBR, ICR, PSLF. Logged+cited tier: verified-engine
Checks
The exact rows akashi check tech.finology/student-loan prints, from the 2026-09-09 census.
| Check | Status | Detail |
|---|---|---|
| registry status | pass | active |
| server.json valid | pass | validates against its declared JSON Schema |
| repo reachable | pass | exists |
| repo freshness | pass | pushed 2d ago |
| package npm | pass | published (0.4.3) |
| remote reachable | pass | HTTP 200 via initialize |
| MCP conformance | pass | initialize handshake ok |
| tools/list | pass | 4 tools: compare_married_filing_jointly_vs_separately_student_loans, finology_service_info, compare_federal_student_loan_repayment_plans, estimate_rap_monthly_payment |
| at least one live entrypoint | pass | 3 alive |
| license present | pass | MIT |
| spec 2026-07-28 | fail | at-risk: requires the removed Mcp-Session-Id session mechanism |
Spec 2026-07-28 readiness
Verdict: at-risk(requires the removed Mcp-Session-Id session mechanism). Measured against the 2026-07-28 specification (ruleset 2026-07-28, compiled from the draft and re-diffed against the final text with no verdict-bearing rule changed) with read-only, keyless calls; see the ecosystem readiness report for how this server compares.
| Accepts handshake-free calls | no |
| server/discover implemented | no |
| Session independence | session required |
| Routing headers enforced | ignored |
Advisory: no resultType on results; no cache metadata on list results; declares the deprecated logging capability; negotiates 2025-06-18.
Evidence
Packages
- npm @finology/mcp-server · published(0.4.3)
Remote endpoints
- https://mcp.finology.tech/free
streamable-http · reachable· HTTP 200· initialize_ok
4 tools: compare_married_filing_jointly_vs_separately_student_loans, finology_service_info, compare_federal_student_loan_repayment_plans, estimate_rap_monthly_payment
server.json
validagainst its declared schema
One of 29522 servers in the 2026-09-09 State of MCP census: 23538 healthy (79.7%), 4664 degraded (15.8%), 1162 dead (3.9%), 158 unknown (0.5%).
Verify it yourself
This page is a static read of one dated probe. Run the same check locally, any time, with no key:
$ akashi check tech.finology/student-loanInstall Akashi - single Go binary, zero keys, MIT licensed.
Is this your server?
Claiming a server (an auto-refreshing badge and a verified publisher profile) is coming soon. Until then, embed the verified-on-date badge yourself with akashi check tech.finology/student-loan --badge.
Open data, CC BY 4.0. How this census works - denominator, tiers, and what each check does.