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 ten (increased from level five 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	5,500	27,500
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	1,000	35	???	???
11	???	???	36	???	???
12	280	1,750	37	???	???
13	400	???	38	???	???
14	???	???	39	???	???
15	550	???	40	???	???
16	650	3,250	41	???	???
17	800	4,000	42	???	???
18	???	???	43	???	???
19	1,100	5,500	44	???	???
20	1,250	6,250	45	???	???
21	???	???	46	???	???
22	2,250	11,250	47	???	???
23	???	???	48	87,000	435,000
24	???	???	49	99,000	495,000
25	???	???	50	110,000	550,000