Talk:Debt

>.> err.... this is a bit off.. you can do TFs at any time now, so that isn't a Strategic Use. Its mainly used by those of use obscessed with doing all the story arcs. Sure, we aim for the badges, but that only really works at higher lvls when you can get enough debt to actually be able to earn the badge.

o,o on a side note, maybe a mentioning on how the debt cap has been dropped twice since issue 0? its now only a 1/4th of what it was back then. --Sleepy Kitty 10:28, 24 May 2006 (PDT)

Be Bold, change it ;D (doing so now) Anyway, in CoH, you can always get a story arc as long as you've done some missions for the contact.

as for dropped twice? Hasn't it only been dropped once, but then only halved again if you're in a mission? --StarGeek 14:08, 9 September 2006 (PDT)

Well, with the most recent drop, the debt table needs updating. I can confirm that the debt cap at 46 is now 276,000 --Fleeting Whisper 08:29, 26 April 2008 (UTC)

I don't understand what the last paragraph of the Strategic Use article is attempting to explain. Could someone please make it more clear? --Professor Immortal 18:22, 28 July 2007 (EDT)

Done. Corebreach 01:26, 29 July 2007 (EDT)

BTW, the debt numbers are wrong. My 14th level controler was only accruing 380 debt per defeat (outside of any mission), and was capped at 1900 debt.

--Ssyrie 20:58, 31 May 2008 (UTC)

Correct, the numbers posted are incorrect. On Feb 12, 2008 debt was lowered across the board by 20%

Sofonisba 19:51, 30 July 2008 (UTC)

Obsolete

Between the no xp option and the level-independency of accolades, the use of debt section is obsolete. I marekd it as such, but still, how should I put the current options for that? - Baalus Seth 23:00, 5 December 2008 (UTC)

Probably add a note somewhere that people used to use debt as a means of slowing XP growth, but with issue13 came the ability to halt XP gain immediately via options?

Also, we need a new debt table which shows debt gained inside and outside missions along with new max debt caps at whatever levels. :o Sera404 23:34, 5 December 2008 (UTC)

I can think of at least one new use for debt. If you want to continue making progress on your Patroller/Criminal badge, but you've hit the 10 bar Patrol XP limit, you can go faceplant enough times to clear out the Patrol XP and log back out. This would also qualify as a new method of farming debt badges since any debt that cancels out Patrol XP apparently counts as debt worked off. Likewise, any debt you have when you log out will slowly be eaten away by the Patrol XP that's accumulating. --Eabrace 23:47, 5 December 2008 (UTC)

Debt screenshot

We need a good example showing the XP bar with debt colors, like in the patrol XP article. Catwhoorg 00:53, 8 January 2009 (UTC)

After I work off my patrol XP I'll go die a few times.  :) --Eabrace 03:11, 8 January 2009 (UTC)

Working Off Debt

To work off debt more quickly, a character may serve as an Exemplar or Malefactor. While this arrangement exists, all experience the character earns is applied toward his debt.

Hasn't this been changed with SSKing? I don't know the details personally, but this doesn't seem accurate.

A clever way to use Exemplaring to full effect is to acquire a high-level "Defeat X Enemies" mission that is not tied to any particular zone and specifies an enemy that exists at both high and low levels, such as Arachnos or the Circle of Thorns. Exemplar to a much lower-level character and defeat those enemies in an appropriate low-level zone. Your mission completion bonus will be based on your true level and be quite large, and it will all be applied to your debt due to your Exemplar status.

Same as above, but this doesn't seem practical in any case.--Stfrn 17:54, 10 March 2010 (UTC)

1. Nope. If a character is exemplared and has debt, it works off the debt first, just like before, then goes to a choice of experience or double influence (previously only influence).
2. It still works (mob defeats for non-specific hunts count at any level, on any map), but isn't something I've ever seen anyone doing. ~ User:Aggelakis/Sig1 04:47, 11 March 2010 (UTC)

Hm, nope it works differently? :P The way it is now, you effectively trade influence for working off debt. #2, the counting at any level is the non-practical part. I can see why Corebreach worded it that way, but it's the kind of trick that no one would really bother to do. Especially since debt has changed significantly since that was written. --Stfrn 00:48, 12 March 2010 (UTC)

1. That's the way it's been all along. Without debt, you gain extra influence when exemplared. With debt, you pay everything toward debt. This is how it operated before SSK, and is how it still operates. (I previously mentioned experience or double influence, because I had forgotten about the exemplar part of the article's suggestion.)
2. It works, so it bears mentioning. Just because no one really does it (generally when people go after lower level enemies for a hunt, they just go after gray mobs on the street) doesn't mean it shouldn't be mentioned. ~ User:Aggelakis/Sig1 06:42, 12 March 2010 (UTC)

That trick is an interesting suggestion, but belongs in the experience article, or a guide on how to earn experence, not here. Debt is paid off by all forms of exp gain, mentioning some minor strategy to get exp has no place here.--Stfrn 14:13, 12 March 2010 (UTC)

Decided to get some personal experience with debt, so I got a few of my characters defeated and tried fighting critters under various settings: in AE, in a flashback mission on the streets, and with the settings on and off. And my conclusion? this page and the experience page really need updating. As far as I can tell the formula works like this: every reward is split into two parts, an influence and experence portion. With debt, half of the exp portion is subtracted, no matter what. After that, if you are 50 or have the option switched, the remained is granted as inf. If you have the "no experience" option switched, instead it is dropped. Being explemered or not has no effect on level 50's. No matter what options you set, or what level you are, the debt is always reduced by the same amount.--Stfrn 14:01, 12 March 2010 (UTC)

OK, breaking this down point by point (because I'm trying to understand exactly what the disagreement is, not whether anyone is right or wrong):

When a character has experience debt, half the experience earned (or the amount of remaining debt, whichever is less) is used to pay off the debt.

• From what I got out of reading your account above, this is still true. Any experience you earned while you had debt was split in half and one half counted toward paying off debt.

Only the remainder applies to advance the character's level.

• The "remainder" being the second half of the experience that wasn't used to pay off debt.

As of issue 16 and Supersidekicking, all players earn experience rewards while Exemplared or Malefactored

• Is this the part you're saying you disagree with? I kind of get the impression that you're specifically equating "earn experience" with "move your XP bar to the right".

and debt is taken as half of that.

• Which matches the first point.

There is currently no way to prevent debt from being payed off from the experience reward

• And I think you seem to agree with that.

nor to pay off at a higher rate.

• Not sure if you're agreeing, disagreeing, or just not stating anything regarding this part.

--Eabrace 14:40, 12 March 2010 (UTC)