As organizations grow and look for new ways to decrease operational costs, they are finding themselves in difficult situations due to an overload of technical debt. Legacy applications, a lack of integration, and sometimes making the choice to go for the easy short-term solution over the more difficult long-term solution are all contributors to the establishment of this debt. Like any debt, interest compounds and if ones wait too long to pay it off, the technical infrastructure can turn into a black hole of costs. The best way to avoid technical debt is to build for the future. Change in any organization is inevitable, so whatever organizations implement, has to have modifiable re-usability and scalability. However, not every solution has a long-term vision and a lot of organizations need to rely on short-term solutions to keep day-to-day operations running, rather than have to wait for long-term solutions to go live. In this case, firms need a cost-effective way to handle the debt they have incurred. Virtusa provides a variety of solutions and technology services to help firms who are looking to pay off their interest or even the entirety of their loan.