No financial or legal advice
We provide general education and arithmetic, not individualized financial advice, legal advice, representation, or an assessment of your rights.
Know the boundary
Scams, privacy, and what this site does not do
“Fight Club” is a memorable name for getting organized—not a claim that this site can defeat a lender or change an account.
No regulated services
No debt-relief, debt settlement, credit-repair, lender matching, servicing, underwriting, refinancing referral, or negotiation services.
No sensitive collection
No login, account connection, file upload, checkout, or request for identity, SSN, FSA ID, bank credentials, or complete account numbers.
Watch for deceptive promises
The FTC warns about operations that promise dramatic debt or credit outcomes. Check the warning signs and verify who you are dealing with.
Your privacy here
Calculator and organizer entries stay in browser memory, disappear when the page reloads or closes, and are not placed in URLs or analytics. Do not enter sensitive identifiers.