# PainFix

> Your first year in the US, money and paperwork made simple. PainFix publishes a Life in the US guide and a few small tools. The guide is informational. It is not personal financial, tax, legal, or investment advice, and it does not quote unverified rates or amounts.

The English guide at https://www.painfix.app/guide is the primary edition. Chinese pages are a shorter option, linked as「中文」.

## Questions

- [Open a bank account without a Social Security number](https://www.painfix.app/guide/faq/bank-account-without-ssn): Each bank sets its own ID rules. Start with the CFPB checklist.
- [First credit card with no credit history](https://www.painfix.app/guide/faq/first-credit-card-no-history): Read the CFPB page on starting a credit file. No bank or rate is named.
- [F-1 student taxes](https://www.painfix.app/guide/faq/f1-student-taxes): Start with the IRS foreign-student pages and Publication 519. This site does not decide your tax status.
- [Apply for an ITIN](https://www.painfix.app/guide/faq/apply-for-itin): Follow the IRS ITIN page. An ITIN is not work permission.
- [Apply for a Social Security number](https://www.painfix.app/guide/faq/apply-for-ssn): SSA explains who can apply. Not every newcomer can.
- [Student health insurance](https://www.painfix.app/guide/faq/student-health-insurance): A campus plan is not automatically a HealthCare.gov plan. No premiums are compared.
- [Driver’s license](https://www.painfix.app/guide/faq/drivers-license): Use your state DMV, linked from USA.gov.
- [Send money to family abroad](https://www.painfix.app/guide/faq/send-money-home): Read the prepayment disclosure described by the CFPB. No company is recommended.
- [Free credit reports](https://www.painfix.app/guide/faq/free-credit-report): The FTC points to AnnualCreditReport.com.
- [REAL ID](https://www.painfix.app/guide/faq/real-id): TSA publishes the federal rule. Your state issues the card.

## Guide sections

- [Life in the US](https://www.painfix.app/guide): Credit, banking, taxes, insurance, spending, government paperwork, and economy and policy.
- [Economy and policy](https://www.painfix.app/guide/economy): Official pages, including the 2027 retirement earnings test, SSI federal payment standard, and substantial gainful activity amounts beside the 2027 cost-of-living adjustment. The page does not decide eligibility or a benefit amount.
- [Chinese edition](https://www.painfix.app/zh/guide): Shorter mirror. The English pages are the full text.

## Tools

- [Order Sort](https://www.painfix.app/order-sort): Uploads an order file to build a kitchen ticket. Files are not sold, not used for ads, and not used to train an AI model. This version does not keep an order library.
- [Family Account Check](https://www.painfix.app/family-check): Reviews a CSV or text PDF in the browser. It does not upload transactions. Flags are for human review, not a fraud finding.
- [Business Tools](https://www.painfix.app/business-tools): Copy and sales CSV stay in the browser. A website check sends one confirmed public URL to the server.

## Policies

- [Privacy](https://www.painfix.app/privacy)
- [Terms](https://www.painfix.app/terms)

Contact for the guide and these policies: painfix.app@outlook.com