Debt is the companion to Cred. Whenever you need to spend Cred but don't have any, you can choose to take on Debt. It doesn't necessarily mean you actually go seek that loan out in the moment - it happened at some point before off camera and we're now introducing it into the narrative.

Debt is paid off by spending Cred in a 2-to-1 ratio, ie, spending two Cred removes one Debt. Depending on the lender, you may also be able to take on jobs to pay off Debt.

When you plan to take on at least one Debt, roll -Rep (the more notorious you are, the less likely you are to find a legitimate and trustworthy lender).

On a 10+, mark one Debt for each Cred.

On a 7-9, mark two Debt for each Cred.

On a 6-, you can take two Cred at most, and the Debt track is filled. The lender in question may or may not be amenable to simply being paid back…