Abstract : While we must accept the reality that we can not eliminate all out-of-service debts at this time, it is possible and surely within the Department of Defense means to reduce it. This paper addresses several possible options that might prove beneficial in reducing out-of-service debts. These potential changes are linked directly to current business practices. I will address four specific areas where changes appear possible. These areas fall under the categories of policies, programs, resources, and systems. I have included eight recommendations to the Defense Finance Accounting Service Director which address the changes. The first policy with the highest potential for change, addresses the basic question of why do we knowingly allow individuals to separate with debt in the first place. The second and third recommendations deal with the policies involving final separation payments and programmed separation dates. The fourth recommendation addresses the policy of debt prorations. Recommend two program changes. The first involves disbursements past separation date and the second recommends the creation of a debt notification letter prior to separation. Two recommendations relating to personnel and equipment resource issues are presented. The last recommendation addresses a current system interface. I believe these recommendations offer an opportunity for the Department of Defense to deal with out-of-service debt. We can not afford to wait. Out-of- service debt continues to increase daily. If ever there was a time for change, the time for change is now!