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Legal Disclaimer
Last updated: July 2025
Publisher
Radif Partners
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63000 Clermont-Ferrand, France
contact@mydebtpayoff.com
Hosting
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https://github.com
Not Financial Advice
The information, tools, and calculators provided on MyDebtPayoff.com are for educational and informational purposes only. Nothing on this website constitutes financial advice, tax advice, legal advice, or any other professional advice. The content should not be relied upon as a substitute for professional financial guidance tailored to your individual circumstances.
Calculator Accuracy
Our debt payoff calculator uses standard amortization formulas to estimate payoff timelines and interest costs. While we strive for accuracy, actual results may differ due to factors including but not limited to: variable interest rates, changes in minimum payment amounts, fees and penalties, payment processing timing, and rounding differences. The calculator provides estimates intended for planning purposes only.
No Guarantees
MyDebtPayoff.com makes no guarantees, representations, or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or suitability of the information, calculations, or content provided on this website. Any reliance you place on such information is strictly at your own risk.
Third-Party Links
This website may contain links to third-party websites or resources. These links are provided for convenience only. MyDebtPayoff.com has no control over the content, privacy policies, or practices of any third-party websites and assumes no responsibility for them.
Limitation of Liability
To the fullest extent permitted by applicable law, MyDebtPayoff.com and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of, or inability to use, this website or its content. This includes, without limitation, damages for loss of profits, data, or other intangible losses.
Changes to This Disclaimer
We reserve the right to update or modify this legal disclaimer at any time without prior notice. Your continued use of this website following any changes constitutes your acceptance of the revised disclaimer.
Contact
Questions about this disclaimer go to contact@mydebtpayoff.com. If you believe your personal data has been mishandled, you may also complain to Commission nationale de l’informatique et des libertés (CNIL), 3 place de Fontenoy, TSA 80715, 75334 Paris Cedex 07, France, whose complaint form is at https://www.cnil.fr/en/home.
Official sources
Every rate range and rule on this page traces back to the publications below. No figure is taken from a third-party summary.
- Consumer Financial Protection Bureau
Rules on debt collection, validation notices and what a collector may and may not do.
- Federal Reserve, G.19 Consumer Credit release
Monthly figures on revolving and non-revolving consumer credit, and average interest rates.
- Internal Revenue Service, Topic 431
Tax treatment of cancelled or forgiven debt, which is generally taxable income.
- Federal Student Aid, repayment plans
Official terms of income-driven and standard repayment plans for federal student loans.