Affiliate Disclosure

Effective: May 26, 2026. The FTC requires that we disclose commercial relationships clearly. This page is our complete disclosure. Plain English: we earn commissions when you sign up for certain debt-related services through our links. These commissions don't affect what we write or recommend.

The honest version

GetDebtFree.tools makes money primarily through affiliate marketing. We participate in affiliate programs with debt-related services. When you click a link to a partner from our site and complete a qualifying action (signing up, getting a quote, opening an account), the partner pays us a commission. You pay no more than you would without our link.

This is a real commercial relationship. We want you to know about it because (a) the FTC requires we tell you, and (b) you deserve to know how we earn our money so you can evaluate our editorial independence.

Our editorial independence policy

The commission we receive does not influence:

• Which strategies we recommend (snowball, avalanche, hybrid, consolidation) — we recommend based on math and behavioral research, not on which produces the most affiliate clicks
• How we present numerical examples (we use realistic typical scenarios, not contrived examples that favor partners)
• Our editorial content quality (we cite authoritative sources for every claim)
• Negative information about partners (if a product has drawbacks or risks, we say so even when it's a partner)

What commission affects

To be fully transparent: commercial relationships do affect which companies we choose to feature as recommended options when there are multiple legitimate choices. If two debt consolidation lenders offer similar terms and only one has an affiliate program, we may feature the affiliated one. We never recommend a clearly inferior product just because it pays more.

Our current affiliate partnerships

Active partners (as of May 26, 2026):

• We are currently in the process of evaluating partnerships. When we activate affiliate links, the partner companies will be listed here.

This list will be updated as we add or remove partnerships. We commit to keeping this disclosure current.

Where you'll see affiliate links

Affiliate links may appear in:

• Within article content where a specific product is genuinely relevant to the topic
• In dedicated "recommended tools" or "compare options" sections
• In our footer (for general partner navigation)

Each CTA that links to a partner will be near a brief affiliate notice, not just buried in this disclosure page.

What you should do about it

Three things we recommend:

1. Always research independently. Don't choose a debt product solely because we featured it. Check the partner's own terms, read other reviews, compare alternatives.
2. Watch for our caveats. When we describe risks of a product (e.g., 401(k) loans, HELOC for consumer debt, debt settlement), we mean them — even for partner products.
3. Use our methodology page. Our methodology details exactly how we evaluate any product or strategy. The same process applies whether we earn a commission or not.

Other revenue sources

Currently, affiliate marketing is our only revenue source. We do not run display advertising, accept sponsored content, sell email lists, or charge for any tools or content. If any of these change in the future, we will update this disclosure.

FTC compliance

This disclosure is provided in compliance with the FTC's Endorsement Guides, the Federal Trade Commission Act, and applicable state consumer protection laws. For more on FTC requirements for affiliate marketing, see the FTC's official guidance.

Last reviewed: May 26, 2026 · Contact: xaviercahe@gmail.com