How We Research and Write at DebtExit
When you're dealing with debt, bad advice is genuinely harmful. Here's exactly how we ensure everything on DebtExit is accurate, honest, and worth your trust.
Written by people with lived experience
Every article on DebtExit is written or reviewed by Skylar Martinez, who paid off $45,000 in debt in 22 months. We only write about strategies we have personally tested or that are backed by peer-reviewed research.
Fact-checked before publication
Statistics and data points are sourced from authoritative institutions: the Federal Reserve, Consumer Financial Protection Bureau (CFPB), Experian, TransUnion, and peer-reviewed academic journals. Every cited statistic links to its primary source.
Regularly updated
Debt statistics, interest rates, and program eligibility change. We review and update every article at least annually—and immediately when major data changes. The 'Last updated' date on each article reflects the most recent substantive revision.
No paid content or sponsored rankings
DebtExit does not accept payment to feature, rank, or endorse any product or service. If we mention a tool or resource, it's because we believe it genuinely helps people pay off debt—not because we were paid to say so.
Transparent about affiliate relationships
Some links on DebtExit may be affiliate links, meaning we earn a small commission if you click through and make a purchase. This never influences what we recommend. We only link to products we would use ourselves.
Not financial or legal advice
DebtExit provides educational content, not personalized financial or legal advice. Every situation is different. For significant debt decisions—especially bankruptcy—we strongly recommend consulting a certified financial counselor (NFCC member) or licensed bankruptcy attorney.
Primary Sources We Use
Found a factual error or outdated statistic? Email our editorial team and we'll review it within 48 hours.