Today, as a borrower, your primary incentive for paying off debt is to avoid fees and not to get a hit on your credit score. Debbie is here to change that mindset by rewarding borrowers for good habits, rather than punishing bad ones. A fitness expert can tell you to stop snacking to lose weight, but there’s a big difference between knowing something is good for you and actually doing it. Behavioral science has shown that if you want to achieve ANY goal, you need more than just internal motivation- you need smaller, more manageable “carrots” along the way. “Debt Freedom” products need to start offering a clear plan AND incentives along the way to help people achieve that plan.