Financial Disclaimer

Oak & Cents is not a financial advisor, credit counselor, lender, attorney or tax professional. Everything on this Site is general information for educational purposes only.

Not personalized advice

We do not know your full financial situation. The examples, calculations and strategies on the Site (including the debt snowball and avalanche methods) are illustrations, not recommendations for you. Results depend on your income, interest rates, fees, credit history and choices, and we make no guarantee about how much you will save or how fast you will pay off debt.

Talk to a professional

Before making decisions about debt, bankruptcy, settlement, consolidation, refinancing or taxes, consider speaking with a qualified professional. A nonprofit credit counselor (for example, through an agency approved by the U.S. Department of Justice or affiliated with the NFCC) can review your specific situation, often at low or no cost. For consumer protections and complaints, see the Consumer Financial Protection Bureau.

Accuracy

We try to be accurate and note when articles were last updated, but rates, programs and laws change. Check details with your lender or an official source before acting. Never stop paying a debt or ignore a legal notice solely because of something you read here.

Third parties and your responsibility

Mentions of products or services are not guarantees or endorsements of suitability. You are responsible for your own financial decisions, and you use the information on the Site at your own risk. See also our Terms of Use and Affiliate & Advertising Disclosure.