Effective Date: January 13, 2026
By accessing kdtreeco.com, you agree to the following terms. These terms are designed to protect both the user and the provider in the specialized field of federal employee finance.
1. Not a Lender
KDTreeco is a financial information and lead-matching service. We are not a lender. We do not make credit decisions or issue loan approvals. Our role is to connect you with third-party lenders who offer products tailored to federal and USPS payroll structures.
2. Allotment Responsibilities
Users seeking “Allotment Loans” acknowledge that:
Voluntary Action: The establishment of a “Discretionary Allotment” is a voluntary action taken by the employee within their agency’s payroll system (NFC, USPS, or DoD).
Compliance: You must ensure your total allotments do not exceed the 70% of gross pay rule as dictated by federal guidelines.
Maintenance: You are responsible for maintaining the allotment for the duration of the loan term.
3. Accuracy of Tools
The Federal Employee Allotment Calculator is provided for educational purposes only. Estimated bi-weekly payments are based on a standard 26-pay-period calendar. Actual loan terms, APRs, and fees will be provided by your matched lender in a formal Truth in Lending Act (TILA) disclosure.
4. Intellectual Property
All content, including the “Marcus Sterling” editorial insights and our custom calculator logic, is the property of KDTreeco. Unauthorized scraping or “mirroring” of our federal loan data is strictly prohibited.
5. Limitation of Liability
KDTreeco is not liable for any disputes between you and a matched lender. We encourage all public servants to review the Employee and Labor Relations Manual (ELM 590) for USPS workers or relevant agency-specific financial conduct rules before entering into a debt agreement.