Editorial Standards

Every published record is traced to a named source and links to it. Where a record relies on more than one source, each supporting source is recorded with its own URL and date.

We prefer primary government sources. Where we rely on a secondary source, the reliability score reflects that, and the score is lower as a result.

A researcher drafts. A reviewer checks the record against its sources, sets the component scores and approves. An editor publishes. No single person can carry a record from draft to publication.

Score adjustments cannot be saved without a written reason, and the reason is published to members who can see the score explanation.

Published records are reverified on a thirty-day cycle. Deadline flags are recomputed daily so that a lapsed record is marked expired rather than left looking live.

Material changes — a moved deadline, a changed amount, rewritten eligibility, a reopened status — create a new version of the record and may trigger an update alert.

We take no payment, commission or consideration from any source, lender, broker, seller or program administrator in exchange for coverage, placement or score.

Testimonials are published only where they are genuine and attributable. We do not invent them.