Terms of Service

TOS icon: 3D image of arrow hitting bulls eye of blue, white, and gray target.

We promise to do our very best to ensure the accuracy of information posted on this website or our blog—but that is no guarantee.

The world is in a state of flux—things are constantly changing.

So, please double-check information you read on this website before making any financial decisions.

Not Legal Advice


You are the hero of your own journey. As such, you are responsible for the decisions you make.

And the outcomes they produce—good, or not so much.

Our Disclaimer

We are not responsible for decisions made before, or after, or during reading the words on the page of our website or blog.

Not Affiliated

We are a privately held company and not affiliated with the Department of Education (DOE), AmeriCorps, Peace Corps, or any other governmental or academic entity.

About Free Help

Just so you know, free help is available for probably every debt program discussed on this website or our blog.

Of course, the reason our service exists is because historically “free service” has been synonymous with “bad service”. You get what you pay for.

Therefore, if we transfer you to another company (with your consent, of course) it will not be to one of the free ones.

Free estimates yes; free service no.

Our Stuff

All of our website content is original—with the exception of icons and downloadable materials.

We reserve all rights to our created content.