The Millennial Debt Escape Plan (MDEP)
Last updated: 4 November 2026

1. Educational and Informational Purposes

The information provided by The Millennial Debt Escape Plan (MDEP), including our website, digital books, calculators, worksheets, emails, videos, and other educational resources, is intended for general educational and informational purposes only.

Our materials are designed to help individuals better understand personal debt, budgeting, cash-flow management, repayment strategies and financial planning.

They do not constitute personalised financial, investment, tax, legal or regulated debt advice.

2. No Professional Adviser–Client Relationship

The Millennial Debt Escape Plan is operated by Tihirou Nicol, Sole Proprietor, based in Sierra Leone.

The operator and author do not act as your personal financial adviser, investment adviser, tax adviser, lawyer, or licensed debt counsellor through the educational materials provided by MDEP.

Accessing our website, downloading resources or purchasing products does not establish a professional adviser–client relationship.

Consider obtaining advice from an appropriately qualified professional when your circumstances require individual assessment.

3. Individual Financial Circumstances

Every person's financial situation is different.

The suitability of a financial strategy depends on factors such as income, essential expenses, debt balances, interest rates, repayment agreements and applicable laws.

You are responsible for evaluating whether the information presented is appropriate for your circumstances.

4. No Guarantees of Financial Results

We do not guarantee that our products or educational materials will result in debt elimination, improved credit scores, increased savings, or any particular financial outcome.

Any repayment timelines, illustrations, or financial examples are provided for educational purposes and should not be interpreted as guaranteed results.

Any reference to paying off debt within 18 months, including examples involving debts of $20,000 or more, describes an educational framework or potential outcome, not a promise that every purchaser will achieve that result.

Actual repayment periods depend on income, expenses, debt balances, interest rates, repayment behaviour and individual circumstances.

5. Calculators, Worksheets and Projections

Our calculators and worksheets are intended to support financial understanding and planning.

Their outputs may depend on information entered by users and assumptions incorporated into calculations.

Actual repayment costs and timelines may differ because of interest calculations, fees, payment dates, lender policies or changes in financial circumstances.

Verify important figures with your financial institution or an appropriately qualified adviser before making significant financial decisions.

6. Third-Party Information

Our website and educational materials may refer to third-party websites, financial services or external resources.

Such references do not automatically constitute endorsements.

We cannot guarantee the accuracy, availability, or suitability of independently operated third-party resources.

7. Responsibility for Financial Decisions

You remain responsible for your financial decisions and for reviewing the terms of any financial products or agreements you use.

Nothing in our materials should be interpreted as an instruction to stop required repayments, disregard creditor communications or ignore appropriate professional advice.

If you are experiencing serious debt difficulties, threatened repossession, legal action or difficulty covering essential living expenses, consider seeking independent debt advice promptly.

8. Changes to This Disclaimer

We may update this disclaimer to reflect changes in our educational materials, business operations, or applicable requirements.

The latest version will be made available on our website.

9. Contact

If you have questions about this Financial Education Disclaimer, please contact:

The Millennial Debt Escape Plan (MDEP)

Operated by: Tihirou Nicol, Sole Proprietor

Business location: Sierra Leone

Customer support email: support@tyronenicol.com

Website: https://www.tyronenicol.com

Real Life. Real Money. A Better System.