Abstract: Systems and methods for facilitating debt reduction are disclosed. A method includes automatically determining that an incentive participant has successfully completed an incentive activity, automatically determining the debt account for which the outstanding balance will be reduced as a result of the successful completion of the incentive activity by the incentive participant, automatically determining a debt reduction amount greater than an amount of money to be actually paid to the debt owner or debt collector as a result of the incentive participant successfully completing the incentive activity, and automatically facilitating the reduction of the outstanding balance of the debt account by the debt reduction amount.