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Ascend Finance Editorial Guidelines
At Ascend we know trust is hard to come by, so we'd like to share how we make money while sharing unbiased content.
Our Mission
To get people out of debt Cheaper, Easier, and Faster.
Our Philosophy
People over profit. Debt can be stressful, and many companies take advantage of that stress to push people into solutions that may not make the most sense for their situation.
We disagree with that.
We want people to be educated on their financial options with unbiased information so they can make the most informed decision possible. We believe that people make better decisions when they understand their options. And better decisions lead to financial freedom.
Integrity & Independence
Our editorial team is independent of the business decisions of Ascend Finance.
Ascend may receive compensation for referring to partners, but all editorial opinions are free of influence from revenue or partnerships.
  • Compensation does not influence editorial opinions
  • Writers and editors are not compensated based on product recommendations
  • Our calculator results are built to prioritize people's best options, not revenue
Fact Checking & Accuracy
We strive to make sure everything we publish is accurate, up to date, and relevant.
  • All content is fact-checked by experts (attorneys, industry experts, etc.) prior to publication
  • We rely on primary sources such as U.S. Bankruptcy Code, trustee guidance, IRS publications, CFPB resources, and state exemption statutes
  • We update content as laws, thresholds, or regulations change
  • If we make a factual error, we correct it promptly and transparently.
Unbiased Comparison of All Debt Options
We believe people deserve to know all of their options. Our content and calculators compare:
  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement (Debt Relief)
  • Debt Management Plans (DMP) Credit Counseling
  • Debt Consolidation Loans
  • Refinancing (HELOCs, Home-equity)
  • Payoff planning (Snowball, Avalanche, Savvy Method)
We explain and calculate pros, cons, risks, timelines, credit impact, and total estimated cost, so people can make informed decisions based on their specific financial situation.
Transparency About Money
We strive to be transparent about how we make money while sharing unbiased content.
Consumer-First Tools
Our calculators and comparison tools are designed to:
  • Estimate cost, qualification, and timeline of each debt option
  • Compare pros and Cons
  • Help users compare options objectively.
The goal is to educate people and give them accurate estimates on their options before they ever speak to anyone.
Empathy Without Judgment
Debt often comes with shame. We reject that and refuse to shame people for past decisions. Debt does not discriminate; we would rather focus on getting people out of debt and keeping them out of debt.
Contact & Corrections
If you believe any information on Ascend is outdated or inaccurate, please contact us at:
support@tryascend.com
We review all feedback carefully and make corrections where appropriate.
The Bottom Line
Ascend Finance exists to help people get out of debt Cheaper, Easier, and Faster.
We believe people deserve to be educated on their options so they can do what is best for their situation, instead of getting sold into options that may not make the most sense for them. Our editorial standards exist to protect the integrity of that process.