Xavier Carraté

Creator and editor of GetDebtFree.tools

Xavier Carraté created GetDebtFree.tools to offer free debt calculators and practical educational guides for people in the United States. The project publishes in English and Spanish.

What I am building

My aim is to help you understand a debt question, compare clear assumptions and leave with something useful: a calculation, a checklist or questions to ask before making a decision. You can use the tools and read the guides without buying a service.

I am the project’s creator and editorial contact. The site uses AI to help research sources, draft and translate content, build software and run checks. A byline identifies editorial responsibility; it does not mean that a licensed specialist has reviewed every page.

Check the work

• Calculation methodology: assumptions, examples and the scope of documented checks.
• Editorial standards: sources, corrections, AI use and review dates.
• Commercial disclosure: affiliation, funding and limitations of provider coverage.

Scope

GetDebtFree is an educational project. Its articles and calculators do not provide personalised financial, legal or tax advice. If a page has an external professional review, it needs to identify the reviewer and what they checked; the presence of this profile is not such a review.

Contact and corrections

Use the editorial contact page to report a source, translation or calculation issue. Include the page and the passage or example concerned. Avoid sending account numbers, tax identifiers or other sensitive personal information.

Profile content updated: September 6, 2026.