These guides exist because a handful of questions come up over and over, and because most of the internet answers them with a sales pitch. We answer them with the state statutes behind each rule, worked cost examples you can trace to our rates and fees table, and sources you can check yourself.
Each guide is written by a named author and reviewed by a second (see about us), carries its publication date, and links back to the state pages where the legal numbers live. If a guide claims a loan costs X, the page shows where X came from.