Editorial Policy

Where a claim depends on an external fact, PDC cites a primary source such as the Consumer Financial Protection Bureau, the Federal Trade Commission, the Federal Reserve, the IRS for tax matters, or a provider's own official page for its product terms.

• PDC does not invent studies, statistics, quotations, regulations or source URLs.
• Provider figures that cannot be verified against the provider's official page are omitted rather than guessed.
• Illustrative figures are labelled as example data.

Every article shows its author, published date and last reviewed date. Dates are updated only when the content is actually reviewed or changed; they are never refreshed automatically to appear current.

Educational content is written before, and independently of, any provider relationship. A commercial relationship never changes a recommendation, a comparison or the ordering of content.

If you find an error, email hello@personaldebtconsolidation.com with the page and the problem. Substantive corrections are made on the page and reflected in its last reviewed date.