Two people touch everything published on LoanCalcTools: the writer who drafts a guide and the owner who signs off on the numbers. Neither hides behind "our team." Here is who they are and what they actually check.
Jessica Martinez
Contributing Writer, Business & Finance
Jessica writes the loan and debt guides on this site: amortization, APR versus interest rate, affordability, credit-score thresholds, and payoff strategy. Before freelance writing, she spent six years reviewing consumer loan files as a credit analyst at a regional bank, which is where the habit of checking a stated rate against the fee schedule before trusting it comes from.
On this site, her byline appears on APR vs Interest Rate, Debt Snowball vs Debt Avalanche, How Loan Amortization Works, How Much Loan Can I Afford?, How to Pay Off a Loan Faster, Average Loan Interest Rates in the U.S. (2026), and the Loans & Debt Guide. She also bylines paycheck and payroll explainers for PaystubTools, a sibling site under the same editorial process.
Before a draft of hers goes live: every formula in the piece is run by hand against a second, independent example, not just checked for internal consistency. Every cited rate or threshold (a CPI figure, a Freddie Mac survey average, a Reg Z requirement) is traced to the primary source page and dated to the month it was published, not copied from a secondary aggregator. Worked examples use round, clearly-labeled hypothetical numbers so no reader mistakes an illustration for their own quote. Chris Terry (below) reviews the draft against these three checks before publishing and again whenever a cited source updates its figures.
Chris Terry
Owner and Editor, Encore Promotional Products
Chris owns and operates LoanCalcTools and the other calculator sites in the Encore Editorial network through Encore Promotional Products. He builds the calculators, sets the sourcing standard laid out on the editorial standards page, and is the final check on every formula and every cited figure before a page ships. He is also the person who answers the contact form when a reader flags a wrong number.
What he checks: that a calculator's formula matches the published standard for that loan type (the amortization formula, the Truth in Lending Act cost-of-credit method for APR, the BLS CPI ratio for inflation), that every rate quoted in an article or dataset page traces back to Freddie Mac, the Federal Reserve, or another named primary source with a real observation date, and that a correction gets made the same week it is reported rather than sitting in a queue.
How to reach us
Found a number that looks wrong, a formula that does not match what your lender quoted, or a source link that has moved? Use the contact form. Messages go to Chris directly, and corrections to published figures are made and dated, not quietly edited without a trace.