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    <lastmod>2026-10-15</lastmod>
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  <!-- Core Pages -->
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    <lastmod>2026-10-15</lastmod>
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  <!-- Use Cases Hub + Pages -->
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    <lastmod>2026-10-15</lastmod>
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  <!-- Blog Hub -->
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    <lastmod>2026-10-15</lastmod>
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  <!-- Original Guide Articles -->
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  <!-- New Blog Articles (25) -->
  <url>
    <loc>https://debttracker.io/guides/how-to-track-money-owed-to-you</loc>
    <lastmod>2026-10-15</lastmod>
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  <url>
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  <url>
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    <lastmod>2026-10-15</lastmod>
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  <url>
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    <lastmod>2026-10-15</lastmod>
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  <url>
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  <url>
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  <url>
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  <url>
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  <url>
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  <url>
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  <url>
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    <lastmod>2026-10-15</lastmod>
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    <priority>0.7</priority>
  </url>
  <url>
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    <lastmod>2026-10-15</lastmod>
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    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-10-15</lastmod>
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  <url>
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  <url>
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  <url>
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    <lastmod>2026-10-15</lastmod>
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  <url>
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  <url>
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  <url>
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  <url>
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  <url>
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  <url>
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  <url>
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  <url>
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  <url>
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    <lastmod>2026-10-15</lastmod>
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    <priority>0.7</priority>
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  <!-- Auth Pages -->
  <url>
    <loc>https://debttracker.io/register</loc>
    <lastmod>2026-10-15</lastmod>
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    <priority>0.5</priority>
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  <url>
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  <!-- Articles added 2026-10-17 -->
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    <loc>https://debttracker.io/guides/how-to-ask-your-roommate-for-rent-money</loc>
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  <url>
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    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-10-17</lastmod>
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    <priority>0.7</priority>
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  <url>
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    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-10-17</lastmod>
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    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-10-17</lastmod>
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    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-10-17</lastmod>
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    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-10-17</lastmod>
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    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-10-17</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://debttracker.io/guides/how-to-split-utilities-with-roommates</loc>
    <lastmod>2026-10-17</lastmod>
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    <priority>0.7</priority>
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  <url>
    <loc>https://debttracker.io/guides/how-to-track-shared-expenses-for-a-group-trip</loc>
    <lastmod>2026-10-17</lastmod>
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    <priority>0.7</priority>
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    <lastmod>2026-10-17</lastmod>
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    <priority>0.7</priority>
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  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-10-17</lastmod>
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    <priority>0.7</priority>
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  <url>
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    <priority>0.7</priority>
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    <priority>0.7</priority>
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  <url>
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  <url>
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    <lastmod>2026-10-17</lastmod>
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    <priority>0.7</priority>
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  <!-- Head-term landing pages 2026-10-17 -->
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    <loc>https://debttracker.io/free-debt-tracker-app</loc>
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