The money doesn't get borrowed magically. You are the one borrowing the money by spending more of it than you have. The programs you are implementing have a cost, which is shown to you when you choose that program and can usually be adjusted with the slider. You are choosing to implement programs that you can't pay for without borrowing. The person you need to tell to quit borrowing money is you. When you spend more than you have, this is called a deficit, and the amount of your deficit is shown right there on the top of the screen. If you are bringing in more money than you are spending, then you have a surplus and that amount will be shown there as well. To lower your overall debt simply make sure you are always operating at a surplus rather than a deficit, that way your debt will always go down instead of up.