Debt

When you are defeated, you accrue experience debt, which slows down a hero's ability to reach the next level.

Working off Debt

When you have experience debt, half of your experience earned is used to pay off the debt. Experience debt does not accrue until level five (to be increased to level ten in Issue 5), and increases as a hero increases in level.

To work off debt more quickly, a hero may serve as an exemplar. While this arrangement exists, all experience a hero accrues is applied to debt. If a hero has no debt to work off, experience is converted into influence.

There is an upper limit to the amount of debt that can accrue.

Debt accrued during an indoor mission is halved.

Strategic Use of Debt

On certain rare occasions, a hero may not want to level up. For example, he or she may wish to complete a task force for which he or she is ineligible after levelling up. In such a case, a hero may deliberately accrue debt to slow down his or her progression.

Debt Table

Level	Debt	Debt Cap	Level	Debt	Debt Cap
1	0	0	26	2,750	???
2	0	0	27	???	???
3	0	0	28	???	???
4	0	0	29	???	???
5	0	0	30	???	???
6	0	0	31	???	???
7	0	0	32	???	???
8	0	0	33	???	???
9	0	0	34	???	???
10	200	???	35	???	???
11	???	???	36	???	???
12	280	1,750	37	???	???
13	400	???	38	???	???
14	???	???	39	???	???
15	550	???	40	???	???
16	650	???	41	???	???
17	800	???	42	???	???
18	???	???	43	???	???
19	???	???	44	???	???
20	???	???	45	???	???
21	???	???	46	???	???
22	2,250	???	47	???	???
23	???	???	48	87,000	???
24	???	???	49	99,000	???
25	???	???	50	???	???