Abstract: A hybrid installment loan/savings account. A financial account is created for an account holder. An amount of money is payed to the account holder, and the amount is charged to the account so that the account has an initial negative balance. Automatic payroll deduction is performed to automatically deduct pay over time from the account holder and apply the deducted pay to the account to pay off the negative balance over time. The automatic payroll deduction continues as the balance turns positive to continue accruing a positive balance in the account via the automatic payroll deduction. Interest is charged on the balance to the account when the balance is negative, and interest is payed on the balance to the account when the balance is positive.

Abstract: A hybrid installment loan/savings account. A financial account is created for an account holder. An amount of money is payed to the account holder, and the amount is charged to the account so that the account has an initial negative balance. Automatic payroll deduction is performed to automatically deduct pay over time from the account holder and apply the deducted pay to the account to pay off the negative balance over time. The automatic payroll deduction continues as the balance turns positive to continue accruing a positive balance in the account via the automatic payroll deduction. Interest is charged on the balance to the account when the balance is negative, and interest is payed on the balance to the account when the balance is positive.