Disclosures

Transparency is important to us. This page explains our affiliate relationships, advertising practices, and third-party partnerships. We believe in being upfront about how we earn money so you can trust the information we provide.

1. Affiliate Disclosure

CapitalizedInterest.com participates in several affiliate programs. This means that when you click on certain links on our site and make a purchase, refinance, or sign up for a service, we may earn a small commission — at no additional cost to you.

Affiliate relationships help us keep our tools and content free. We only partner with companies we trust, and we never recommend a product solely because it pays a commission.

Affiliate Partners

We currently maintain affiliate relationships with the following companies:

Partner	What We Link To	Relationship Type
Credible	Student loan refinancing and consolidation rate comparisons	Affiliate (commission on successful applications)
SoFi	Student loan refinancing, personal loans, and banking products	Affiliate (commission on successful applications)
Earnest	Student loan refinancing and private student loans	Affiliate (commission on successful applications)
Laurel Road	Student loan refinancing for healthcare professionals	Affiliate (commission on successful applications)
Discover	Student loan refinancing and private student loans	Affiliate (commission on successful applications)
StudentAid.gov	Federal student loan information, IDR plans, and loan simulator	Non-affiliate (no compensation; official government resource)

2. Advertising

We use Google AdSense to display contextual advertisements on some pages of our site. These ads are served by Google and are targeted based on your browsing history and interests.

Google AdSense uses cookies to serve ads. You can manage your ad preferences at Google Ad Settings.

We do not control the specific ads that appear on our site. If you see an ad that seems irrelevant or inappropriate, please let us know.

3. Testimonials

Occasionally, we share user testimonials and success stories. These are real experiences from real people, but they reflect individual results that may not be typical.

Your results may vary. Testimonials are not a guarantee of future performance or savings.

4. Third-Party Partnerships

In addition to affiliate relationships, we may partner with third parties for:

• Content distribution — republishing our articles on other platforms
• Guest posts — publishing expert contributions
• Data analytics — understanding how users interact with our site

We never share your personal information with third parties without your explicit consent.

5. No Financial Advice

CapitalizedInterest.com does not provide financial, legal, or tax advice. All content is for educational and informational purposes only. Our calculators and guides are tools to help you understand your options — they are not a substitute for professional advice.

Before making any financial decisions, you should:

• Consult a qualified financial advisor
• Speak with your loan servicer about your specific options
• Verify current rates and policies at studentaid.gov
• Read the terms and conditions of any loan agreement carefully

6. Compensation

We earn revenue through:

• Affiliate commissions — when you click our links and complete an action
• Display advertising — through Google AdSense
• Occasional sponsored content — we only accept sponsored content that aligns with our values

Our compensation does not influence our editorial content. We prioritize accuracy and user benefit over commissions.

7. Independent Research

All recommendations on this site are based on independent research. We evaluate lenders based on:

• Interest rates and fees
• Customer service reputation
• User reviews and feedback
• Transparency of terms
• Flexibility of repayment options

We do not accept payment to rank a lender higher. Our recommendations are based on what we believe is best for our users.

8. Data Collection

For details on what data we collect and how we use it, please refer to our Privacy Policy.

In short:

• We collect minimal data — only what's necessary to improve your experience
• We never sell your data — your information is not for sale
• Calculations are in your browser — your loan details never leave your device

9. Policy Changes

We may update this Disclosures page from time to time. When we do, we'll update the "Last Updated" date at the top of this page. We encourage you to review this page periodically.

Significant changes will be noted on our homepage or via email (if you're subscribed).

10. Contact Us

If you have questions about any of these disclosures, please contact us.