If you decide to borrow from a bank in our online football manager, there is no need to take the whole sum – borrow a small amount you need at the present moment. That allows you to decrease daily debt growth. All your income (from your stadium, bets on real matches, etc.) should be returned to the bank in order to repay the loan. That would allow you to decrease daily debt growth as well. Alternatively you can invest in team or stadium development. Remember that your money should always work for you to earn even more money.