->''"Drowning in a sea of bills? Then it's time to play ''Debt''! The game show where three debt-laden Americans just like you compete to have us pay off all of their bills and go home with '''nothing!!'''"''
-->Opening spiel, as read by '''Wink Martindale'''.

American GameShow hosted by genre veteran Wink Martindale which ran on Lifetime from 1996-98,and could be argued as the UrExample of the show that revived the whole genre after an early-1990s swoon. It aired on Lifetime, a cable/satellite network that caters to women. It got good ratings but was canceled after two seasons when it was learned that some [[PeripheryDemographic half of its viewership consisted of men]].

Three contestants began the game, each with fairly sizable amounts of debt (ranging from about $6,000 to over $8,000). The object of the game was to eliminate your debt by answering pop culture questions, each worth "negative dollars" (i.e., -$100) that would subtract from your debt.

* '''Round 1 - General Debt:''' Five categories were shown, each with five clues worth from -$50 to -$250. One of the players picked a clue, which was read as a first-person clue ("I'm the TV show about a bar 'where everybody knows your name'."). Players would then buzz in and answer it with a second-person response ("You are ''{{Cheers}}'', Wink!") Wrong answers added to your debt. One clue was called the "Debt-O-Nator", and was worth -$500 for getting it right. In the second season, the rules were changed so that players simply picked the category and had all five clues read in increasing order, the Debt-O-Nator double the value of one category's clues, a -$1 toss-up was asked to award control at the start (originally the player with the most real-life debt started off), and players no longer had to answer in second-person. The player with the most debt remaining after time was called was eliminated.
* '''Round 2 - Gambling Debt:''' The two remaining players were shown a category, and would bid on how many of the five clues they could answer correctly. The value of the category either went to the player who fulfilled their bid, or the other player if the bid was not completed. Categories were worth -$300, -$400, -$500, -$750, and -$1,500; whoever had less debt remaining (or was so far ahead the other player couldn't catch up) won the game.
* '''Round 3 - Get Outta Debt:''' A 60-second SpeedRound where the player tried to answer 10 questions in a given category correctly. Successfully doing so effectively eradicated their debt by winning a cash prize equal to it. Otherwise, they got the money earned in the front game.
* '''Round 4 - Bet Your Debt:''' The player was offered a double-or-nothing gamble by answering one final question based on the contestant's chosen pop culture specialty. If they got it right, they doubled their winnings; if not, they lost the money and settled for a ConsolationPrize.

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!!Game Show Tropes in use:
* AllOrNothing: Played with; the whole premise of the show was for people to walk away with "nothing"; i.e., no more debt. Early in the run, contestants who were unsuccessful in Get Outta Debt had to answer their specialty question correctly in order to claim their front game winnings; in these cases, Wink would mention "It's all or nothing, and what you want is nothing."
* BonusRound: Get Outta Debt and Bet Your Debt, collectively.
* ConsolationPrize: Players eliminated in the first two rounds got a ''Debt''-branded piggy bank and a savings bond ($200 for the Round 1 loser, $500 for the Round 2 loser). Players who bombed on Bet Your Debt got either a $1,000 or $1,500 savings bond, depending on whether they had initially won Get Outta Debt or not.
* GoldenSnitch: Averted; Gambling Debt ended as soon as one player was mathematically eliminated from contention. In some runaway games, this could happen as quickly as the third category.
* LetsJustSeeWhatWouldHaveHappened: The Bet Your Debt question was always asked, even if the player decided not to take the gamble.
* Personnel:
** TheAnnouncer: Julie Claire.
** GameShowHost: Wink Martindale. Commonly known as one of the cheesier hosts in the business, he turned it UpToEleven for this show.
* RulesSpiel: Pretty much all the rules, but most notably ''"All of our questions use the 'I am/You are' format, and you will be penalized for an incorrect answer."''
* SpeedRound: Get Outta Debt.
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!!This show provides examples of:
* BonusSpace: Round 1's Debt-O-Nator.
** In the first season, this was "the hardest question on the board" and was valued at $500.
** In the second season, the Debt-O-Nator was issued to an entire category and was worth double the dollars.
* BriefcaseFullOfMoney: Brought in by the "''Debt'' Security Guard" when tempting a contestant with Bet Your Debt, but only if s/he won Get Outta Debt.
* CanisLatinicus: For some reason, Wink sometimes referred to the contestants as "contesti" during the show's opening.
* ComplacentGamingSyndrome:[[invoked]] Having only five clues in each category of Round 2 made it so the vast majority of the time, the opening bid was four questions. This would then force the other player to bid a perfect five or tell the first player to complete their bid.
* DoesThisRemindYouOfAnything: The first-season game board looked kind of like a horizontal ''Series/{{Jeopardy}}'' board.
** In early episodes, the show's logo very strongly resembled that of Visa credit cards.
* OpeningNarration: As described at the top of the page.
* TheStoic: The "''Debt'' Security Guard", a bald and bearded man (nicknamed "Mr. Clean") whose only role was to present the BriefcaseFullOfMoney when Wink explained Bet Your Debt. During one famous instance where a Bet Your Debt winner ripped off his toupee, the guard put it on and danced a bit.
* WritersCannotDoMath: If you add a negative number (the value of the clues) to a negative number (the player's score), the sum would be even lower, thus the contestant would end up going ''deeper'' into debt.
* YouWannaGetSued: The original logo looked almost exactly like the Visa card logo and, after threats of a lawsuit, was changed to a more generic maroon title surrounded by a light-blue border.
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''We'll be back next time with three new big spenders, and we'll do the best we can to get 'em out of... DEBT!''