Editorial Policy

Content is published by Sonya on DebtPayoff.cc. She does not claim financial licenses, professional credentials, or individualized advisory services.

The editorial scope is limited to explaining the site's calculator, debt payoff mechanics, planning assumptions, and publicly documented consumer information.

Financial claims should rely first on government agencies, regulations, lender disclosures, and other primary documentation. Secondary sources may help identify a topic but should not replace an available primary source.

Sources are linked visibly on guide pages. A citation supports the nearby factual claim; it does not imply that the source endorses this site or its calculator.

Published numerical examples must list the inputs and use the same calculation engine as the interactive tool. Results are checked against automated tests for payment conservation, precision, ordering, and failure states.

No unexplained savings figure should be retained after its inputs or engine behavior change. Examples must be recalculated when the underlying implementation changes materially.

Automation or AI may assist with outlining, translation, consistency checks, and draft language. It is not treated as an authority or cited as evidence.

Financial facts, links, calculations, visible dates, and policy statements must be checked against primary sources or the tested code before publication.

A page's modified date changes only after a substantive content, methodology, source, or calculation update. Routine builds, formatting changes, and ad configuration changes do not justify a new editorial date.

Correction requests can be sent through the contact page. Reports are reviewed for reproducibility and source quality; confirmed errors are corrected without silently inventing reviewer credentials.

Advertising may fund site operation, but it does not change calculator results or determine strategy descriptions. Trust, privacy, contact, and editorial-policy pages do not contain ad placements.

Future sponsored or affiliate relationships must be clearly labeled and may not be presented as independent editorial conclusions.