About the Book: Are EMIs, personal loans, and credit card bills affecting your peace of mind? In How to Be Debt Free, chartered accountant and bestselling author Abhijeet Kolapkar explains how Indian borrowers can understand, manage, and overcome debt. Combining practical financial advice with insights into money psychology and Indian banking, the book simplifies interest rates, CIBIL scores, loan repayments, and hidden borrowing costs. Through easy explanations and practical worksheets, Kolapkar helps readers develop effective debt management strategies, reduce financial stress, and regain control of their finances. This accessible personal finance guide offers a practical roadmap to becoming debt-free and achieving lasting financial freedom.