D

debt

BalanceForward is an open source deterministic financing specification that helps businesses design sustainable debt-refinancing solutions based on a borrower's income, cost of living, repayment capacity, qualifying debt, and collateral. With a fixed 5% interest rate, maximum 50% collateral advance rate, and 20-year maximum term, BalanceForward provides a modular framework for predictable, transparent, and borrower-centered financing. https://roxanneardary.com/balanceforward/

FinishLine is an open-source AI-powered debt analysis and optimization platform that helps users identify the smartest path to becoming debt free. By analyzing debt instruments, interest rates, repayment terms, loan contracts, and prepayment penalties, FinishLine generates personalized payoff strategies designed to reduce interest costs, avoid unnecessary fees, and accelerate debt elimination through transparent, explainable recommendations. https://roxanneardary.com/finishline/

A non-profit project to help provide loan-free education and increase income of teaching and non-teaching staff of education institutions.