Who writes this material
Guides are published under the DebtFree name. The initial website content was prepared with AI assistance and checked against cited primary sources and outputs from the website calculator. We do not claim a certified financial planner, attorney, accountant, or independent professional reviewer has reviewed these guides.
A reviewer is named only when that person has actually reviewed the relevant material and agreed to attribution. The publisher’s identity appears on the About page.
What belongs in a guide
Every guide should answer a practical question near the beginning and contribute something useful: a reproducible calculation, a decision worksheet, an original comparison, or a clear explanation of a limitation. Generic summaries and high-volume automated publishing do not meet that standard.
Hypothetical scenarios are labeled. They are not presented as real users, average outcomes, or forecasts for the reader. We do not fabricate statistics, expert quotes, testimonials, or professional credentials.
Sources and fact-checking
We prefer primary sources such as the Consumer Financial Protection Bureau and Federal Trade Commission. A source should support the claim next to it. Calculator-derived numbers come from our own documented engine, not an unsourced estimate.
For publication, check source relevance, currency, arithmetic, assumptions, internal links, and language. Our source notes distinguish consumer guidance from mathematical model assumptions.
Updates and corrections
Publication dates identify the initial edition. An updated date changes only when a meaningful edit or review occurs, never automatically on a build. Material corrections should explain what changed and appear in the changelog.
Report a concern through support and corrections with the page address and the statement or result at issue. A source link or hypothetical reproduction is helpful.
Tone and incentives
Debt can be stressful. We use specific, non-judgmental language and avoid promises of a universal best method. Website tools are free and do not require an app download. App links identify our own product; this initial site has no paid placement, affiliate lending links, or advertising.