Terms & Disclaimer

Last updated November 9, 2026

For education only

Which Debt First provides estimates for general education. It is not financial, tax, investment or legal advice, and it does not create any advisory relationship. Speak with a licensed professional about your own situation.

Estimates, not guarantees

Results depend on the numbers you enter and on simple assumptions: fixed rates, on-time payments, monthly compounding and no new borrowing or fees. Real loans can differ. Your lender's statement is the final word on your balance, rate and payoff amount.

Use at your own risk

The site is provided as is, without warranties of any kind. We are not responsible for decisions you make or losses that result from using the planner.

Links and ads

The site may show ads and link to other websites. We do not control those sites and are not responsible for their content or practices.

Changes

We may change the site or these terms at any time.