Debbie is building the first debt payoff + savings product that rewards borrowers for paying down their debt by incorporating automatic APR savings as they improve their financial habits. Unlike incumbent debt consolidation or financial health products, Debbie uses positive reinforcement and financial incentives to improve the underlying negative financial behavior at the root of the vicious debt cycle and seamlessly transitions customers to aspirational wealth-building products (savings, investing, etc). The company was founded by two debt veterans and personal finance obsessors, with experience in personal lending at Marcus and VC at BDMI.