Finology Software

Total federal balance (principal plus accrued interest) year by year, for every repayment plan the signed-in advisor's client can elect, so the paths can be charted against each other. Year 0 is today. Use this when someone asks to SEE the difference between plans rather than read totals: the series is the same one the planner's comparison overlay draws. Figures come from the client's stored loans, not from numbers supplied in the conversation. Read-only; nothing is saved to the client.

get_balance_trajectory_for_client

Compare every federal repayment plan a loan can elect (Standard, RAP, IBR, PAYE, ICR) on the current federal rules: monthly payment, lifetime cost, forgiveness timing and the estimated tax on forgiven balances. Plans the loan cannot elect are listed with the reason. For Parent PLUS it also runs the consolidation path unprompted, because that is the number that decides. loanType drives PLAN ELIGIBILITY, not just the rate: choose accurately.

compare_federal_student_loan_repayment_plans

Run the same federal loan book filing jointly and filing separately and report the swing in the best income-driven plan's payment and lifetime cost. LOAN SIDE ONLY: the tax cost of filing separately is not modelled and the answer says so.

compare_married_filing_jointly_vs_separately_student_loans

Estimate the RAP (Repayment Assistance Plan) monthly payment from income, filing status and household size, on the current federal rules. RAP payment only: not a comparison and no forgiveness projection; use the plan comparison tool for that.

estimate_rap_monthly_payment

List the signed-in advisor's clients in Finology Software: id, name, federal balance and loan count, whether they are on an income-driven plan, the next recertification anchor, whether action is required, and when they were last simulated and last sent a report. Use the id with run_projection_for_client. Read-only; returns only clients this login can see in the app. Set includeNames=false to receive initials instead of names; the id still works with run_projection_for_client, and a firm can force this on for every call.

list_my_clients

Run Finology's parity-verified repayment comparison for one of the signed-in advisor's clients, from the client's stored loans, income, filing status and household exactly as the planner uses them. Returns, per federal plan the client can elect: lifetime cost, amount forgiven and payoff or forgiveness date, plus the client's current monthly payment on the plan they are on today. Does NOT return a per-plan monthly payment. Recorded as an answer of record against this login. Read-only; nothing is saved to the client.

run_projection_for_client