Terms of Use

Template: review with an attorney before relying on it. Last updated October 31, 2026.

Not financial advice

WhenCanIGetOutOfDebt.com provides educational calculators and general information only. It isn't financial, legal, credit, or tax advice. Results are estimates based on the information you enter and simplified assumptions (fixed APRs, fixed payments, monthly compounding, no fees or new charges). Your actual results will differ. Consult a qualified professional before making financial decisions.

No lender relationship

We aren't a lender, loan broker, or credit counseling agency. Third-party offers are provided by those companies under their own terms.

Use of the site

The site is provided "as is" without warranties. To the extent permitted by law, we aren't liable for decisions made using it. Don't misuse or attempt to disrupt the site.

Changes

We may update these terms; continued use means you accept the current version. Governed by the laws of the State of Utah.