能否提供一些关于debt的实用搭配，最好附上例句？

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下面提供了几个比较常用的表达。

Be in debt/get into debt

含义：To owe money

例句：

If you are in debt and cannot pay your bills, is a debt settlement program the cheapest way out of debt? You might draw that conclusion from the American Fair Credit Council (AFCC), an industry association of companies operating in the debt settlement industry that have agreed to a strict code of conduct.

如果你负债累累无法支付账单，那么债务清偿计划能够帮助你以最低的成本还清债务吗？这个结论你或许会从美国公平信用委员会（AFCC，由若干严格遵守行为规范的债务清算公司组成的行业协会）处得出。

Be out of debt/get out of debt

含义：To succeed in paying all the money that one owes

例句：

How soon you can get out of debt depends on how much debt you have and how much more you can pay to reduce it. Create a plan, set a budget, and do not acquire more debt. Consider restricting nonessential spending and use what you save to pay down your debt.

至于多久能够还清债务，还要取决于负债数目以及还债能力。制定计划，作出预算，切忌再次欠债。控制不必要开支，利用节省下来的钱偿还部分债务。

Pay the debt/pay back the debt/repay the debt

含义：To pay or return (what is owed as a debt)

例句1：

When a debtor receives a discharge order, they are no longer legally required to pay the debts specified in the order. What's more, any creditor listed on the discharge order cannot legally undertake any type of collection activity (such as making phone calls or sending letters) against the debtor once the discharge order is in force.

若债务人收到破产债务免除令，则意味着免除债务人偿还该等指令所述债务。此外，一旦该等指令生效，该等指令所列任何债权人无法依法向债务人索债（比如，打电话或发函）。

例句2：

The bankruptcy process begins with a petition filed by the debtor, which is most common, or on behalf of creditors, which is less common. All of the debtor's assets are measured and evaluated, and the assets may be used to repay a portion of the outstanding debt.

破产程序始于债务人提出破产申请（最为常见）或代表债权人提出破产申请（不太常见）。然后，对债务人的全部资产进行计量和评估，用于偿还部分未偿债务。

Pay down the debt

含义：To pay part of an amount of money that one has borrowed, reducing the total debt

例句：

If homeownership is important to you, cut out or reduce unnecessary expenses such as cable and TV service, eating out, vacations, or other non-essentials. By spending less, you’ll save more toward your down payment and have extra money to pay down other debts. Making sacrifices now can go a long way toward achieving your homeownership goals.

如果自有房屋对你来说比较重要，那么就削减有线电视、外出就餐、度假等不必要的开支。这样一来，就能够节省更多的钱用来付首付，多余的钱可以偿还部分债务。现在的牺牲换来的是住进自有房。

Pay off the debt

含义：To pay the full amount on (a debt)

例句：

Debt consolidation involves acquiring new debt to pay off multiple, existing debts. The new loan becomes the single source of debt, which usually results in a lower overall payment, a reduced interest rate, and a new repayment schedule.

债务合并意味着利用新债务还清多笔未偿债务。新贷款变成唯一的债务，通常在这种情况下，总还款额变少，利率较低，需要制定新的还款计划。

Discharge the debt

含义：To pay back or cancel a debt completely

例句：

Usually, a judge decides whether or not to discharge a debt in bankruptcy and can refuse to discharge a debt if:

The debtor disobeyed court orders;

The debtor failed to undergo financial counseling or education;

The debtor failed to keep adequate records;

The debtor failed to satisfactorily explain the loss of any of their assets;

The debtor committed a crime;

The debtor lied or otherwise submitted fraudulent information during the proceedings.

通常来说，由法官裁决是否清偿破产债务，如果出现下列情况也可以拒绝清偿：