Editorial Guidelines

Draft — review before launch. Check every statement matches how the site really works, then set policiesReviewed: true in src/data/site.ts.

Oak & Cents publishes general educational guides about paying off debt. These guidelines describe how every article is created and checked.

Who writes and reviews

Articles are written and edited by Claire Bennett. A "Reviewed by" line appears on an article only when a named reviewer has actually reviewed it; we never display a reviewer who did not.

Accuracy and sources

• Rules, rates and consumer protections are checked against primary sources (for example the CFPB, FTC and card issuer disclosures) and linked where used.
• Worked examples state their assumptions (balances, APR, payment) so readers can check the math.
• We do not publish invented reader stories, testimonials or results.

Updates and corrections

Each article shows its last-updated date. When we find or are told about an error we correct it and update the date. Send corrections through the contact page.

Independence

Affiliate relationships and advertising never decide what we recommend. See the Disclosure.