Frequently Asked Questions

Yes. No credit card. No signup required to use the basic calculator. You only need to provide your email if you want to download the tracker or receive tips.

Not for the calculator. You can use it instantly without any signup. If you want to save your progress or access premium features later, you'll need to create an account.

Yes. We don't store your debt information on our servers when you use the free calculator. Everything is calculated in your browser. If you sign up for an account, your data is encrypted and never shared.

Snowball: Pay off smallest debts first. Gives you quick wins and motivation. Avalanche: Pay off highest-interest debts first. Saves the most money mathematically. Both work. Choose based on what keeps you motivated.

The calculator uses standard financial formulas (compound interest, amortization schedules). It's the same math banks and financial advisors use. However, it's an educational tool, not financial advice.

Interest rates and minimum payments can change. Make sure you're using your current APR and minimum payment from your latest statement. If numbers still seem off, email us at support@debtexit.net.

Right now: • Debt Exit Starter Kit ($9): Worksheets, calculators, and a 30-day action plan to start paying off debt. Coming soon: • Advanced courses ($27-97) • Debt Tracker Web App ($19/mo)

One-time payment. $9. Yours forever.

Digital downloads: PDFs, Excel spreadsheets, and Google Sheets templates. Instant access after purchase.

Because these are digital downloads, all sales are final. But if you have a genuine issue (broken download link, technical problem), email support@debtexit.net and we'll make it right.

No. We include Google Sheets versions you can use for free in your browser.

The Starter Kit is not a video course. It's practical worksheets and tools you can use immediately. If you want step-by-step video training, we'll have courses available later.

No. Never. We don't sell, rent, or share your personal information with third parties.

We send you the resources you signed up for, plus occasional tips and updates. You can unsubscribe anytime with one click.

No. We never ask for bank account access, credit card numbers, or login credentials. You enter debt balances manually. We don't store sensitive financial data.

Yes. You can request your data or ask us to delete it anytime by emailing support@debtexit.net.

DebtExit is run by Skylar Martinez, who paid off significant debt using the methods taught here. This isn't a faceless corporation—it's a small team trying to help people get out of debt.

No. We're not financial advisors. Everything on DebtExit is educational and based on proven financial planning methods. For personalized advice, consult a Certified Financial Planner (CFP).

No. We don't recommend or partner with debt settlement or consolidation companies. We teach you how to pay off debt yourself using research-backed strategies.

No. We provide tools and education, but results depend on your effort and financial situation. Everyone's debt journey is different.

After you enter your email, check your inbox (and spam folder). You'll receive a download link within 1-2 minutes.

1. Check your spam/promotions folder 2. Make sure you entered your email correctly 3. Wait 5 minutes (sometimes emails are delayed) 4. Still nothing? Email support@debtexit.net with your email address and we'll resend it.

Yes! Personal use within your household is fine. Just don't resell or redistribute the files.

Each spreadsheet has an 'Instructions' tab that walks you through how to use it. If you're still stuck, email support@debtexit.net and we'll help.

Yes. Make a copy and customize them however you want. They're yours.

Credit card, debit card, Apple Pay, Google Pay, and PayPal via Lemon Squeezy. We don't store your payment info—Lemon Squeezy handles all transactions securely.

Only if you sign up for a subscription product (like the web app, coming soon). One-time products like the Starter Kit are never charged again.

Email support@debtexit.net immediately with your order number. We'll investigate and refund any duplicate charges.

Yes. You'll receive an email receipt immediately after purchase. If you need a formal invoice, email support@debtexit.net.

Email: support@debtexit.net Response time: 24-48 hours (usually faster) We read every email. If you have a question, problem, or just want to share your progress, we're here.

Not yet, but it's coming. Sign up for the email list to be notified when we launch coaching services.

Absolutely. We're building this for you. Email support@debtexit.net with your ideas.