About the author

Jack Novak

Founder of Debt Driver

I'm Jack Novak, the founder of Debt Driver. I build tools and write guides that help people pay off debt with a clear plan based on their real numbers: balances, rates, and minimum payments, not generic advice.

Why I started Debt Driver

Most "debt help" either pushes a new loan, funnels you into a settlement sales pitch, or hands you a budgeting app that never answers the only question that matters: which debt do I pay first, how much do I pay, and when will I finish?

Debt Driver is built to answer that in a couple of minutes. You enter your own debts. There is no bank linking required, no credit pull, and we do not sell your information. The subscription is the only way we make money, which is why we will never recommend a new loan or push you toward settlement.

How I write these guides

The articles on this site work the same way the product does: with concrete math. When I compare snowball and avalanche, minimum payments, or a specific balance like $10,000 in credit card debt, I run the amortization and show the timeline and interest tradeoffs so you can decide for yourself.

I am not a financial advisor, lawyer, or credit counselor, and nothing here is financial advice. It is educational content meant to make payoff decisions clearer. I cite public sources, and I update articles when rates, programs, or company details change. See the full disclaimer.

Contact

If something in an article is wrong or outdated, I want to know. Please reach me at Jack@DebtDriver.com.