About the journal

Useful debt education.
Clear about its limits.

The Debtless Journal is published by Debtless, the free debt payoff app for iPhone created by Logan Moore.

Who this is for

People who want to organize what they owe, understand repayment choices, and build a debt routine they can maintain. You can use these articles with a notebook, a spreadsheet, or the free Debtless app.

How articles are made

This library uses AI-assisted drafting and generated editorial imagery. Articles include practical steps, hypothetical examples and links to primary consumer resources. They are not personal experiences, customer success stories, or advice from a licensed financial professional. No financial-professional review is implied.

What we verify

We check article structure, source links and worked-example arithmetic. App descriptions are checked against the product. Official source pages and your current lender agreement take precedence if information differs. U.S. rules and provider terms may change; check them before acting.

Our relationship to the app

Debtless publishes this journal and links to its own app. The app is completely free, with no subscriptions, ads, sign-in account or bank linking. It does not pay creditors or replace their statements. Articles do not include paid placements or affiliate loan offers.

Corrections and dates

Article dates reflect publication, not a claim that every source changed that day. Material revisions will update the article date. To flag an error, send the article URL and the passage through Debtless Support. Please do not send account numbers or statements.

Follow along

Use the RSS feed in your preferred reader. No email signup is needed.

Website measurement

Optional Google Analytics measures website visits and App Store link clicks only after you accept website analytics. It does not access your debt ledger. You can change your choice using the footer. See the privacy policy.