{"id":288720,"date":"2026-02-07T07:01:37","date_gmt":"2026-02-07T01:31:37","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=288720"},"modified":"2026-02-07T07:01:38","modified_gmt":"2026-02-07T01:31:38","slug":"how-credit-card-debt-and-loans-affect-your-taxes","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/how-credit-card-debt-and-loans-affect-your-taxes\/","title":{"rendered":"How Credit Card Debt and Loans Affect Your Taxes"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#the-basic-relationship-between-debt-and-taxes\">The Basic Relationship Between Debt and Taxes<\/a><ul><\/ul><\/li><li><a href=\"#how-credit-card-debt-affects-taxes\">How Credit Card Debt Affects Taxes<\/a><ul><\/ul><\/li><li><a href=\"#how-personal-loans-affect-taxes\">How Personal Loans Affect Taxes<\/a><ul><\/ul><\/li><li><a href=\"#student-loans-and-tax-considerations\">Student Loans and Tax Considerations<\/a><ul><\/ul><\/li><li><a href=\"#mortgage-debt-and-taxes\">Mortgage Debt and Taxes<\/a><ul><\/ul><\/li><li><a href=\"#debt-forgiveness-and-cancellation-of-debt-income\">Debt Forgiveness and Cancellation of Debt Income<\/a><ul><\/ul><\/li><li><a href=\"#how-debt-impacts-credits-deductions-and-filing-results\">How Debt Impacts Credits, Deductions, and Filing Results<\/a><ul><\/ul><\/li><li><a href=\"#common-debt-related-tax-misunderstandings\">Common Debt-Related Tax Misunderstandings<\/a><ul><\/ul><\/li><li><a href=\"#record-keeping-for-debt-related-tax-events\">Record Keeping for Debt-Related Tax Events<\/a><ul><\/ul><\/li><li><a href=\"#preparing-for-future-tax-years-with-debt-in-mind\">Preparing for Future Tax Years With Debt in Mind<\/a><ul><\/ul><\/li><li><a href=\"#frequently-asked-questions\">Frequently Asked Questions<\/a><ul><\/ul><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Quite a few people seem to think that if you have debt it&#8217;ll be reflected in your tax bill. Most of us associate the hefty sums on credit card statements, personal loans, student loans or mortgages with fortress financial burdens, so it&#8217;s only reasonable to assume they will make a direct impact on your taxes. However, the truth is that only very few types of debt will actually decrease your tax bill.<\/p>\n\n\n\n<p>What&#8217;s more, debt will change your taxes in indirect plus very frequently misunderstood ways. Interest payments, loan forgiveness and how you use the money that you borrow can all be ways that matter. This article helps you to see at a glance the tax implications of <a href=\"https:\/\/trybeem.com\/blog\/what-are-the-types-of-installment-loans-best-answers-here\/\" target=\"_blank\" data-type=\"post\" data-id=\"157806\" rel=\"noreferrer noopener\">different types of debt<\/a> which in turn will allow you to know what really changes your tax position.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-basic-relationship-between-debt-and-taxes\">The Basic Relationship Between Debt and Taxes<\/h2>\n\n\n\n<p>Before looking at specific types of loans, it is important to understand how debt fits into the tax system. Taxes are based on income, not on what you owe.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-borrowed-money-is-not-income\">Why Borrowed Money Is Not Income<\/h3>\n\n\n\n<p>When you take out a loan, you receive money that must be repaid. Because this money is not yours to keep, it is not considered income.<\/p>\n\n\n\n<p>Since loans create an obligation rather than a gain, they are generally not taxable. Whether the loan comes from a bank, lender, or credit card, the borrowed amount itself does not increase your taxable income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"when-debt-does-show-up-on-a-tax-return\">When Debt Does Show Up on a Tax Return<\/h3>\n\n\n\n<p>Debt becomes relevant for taxes when interest is involved, when part of the debt is forgiven, or when borrowed funds are used for specific purposes.<\/p>\n\n\n\n<p>Interest payments, <a href=\"https:\/\/trybeem.com\/blog\/burdened-by-debt-heres-how-debt-relief-can-help\/\" target=\"_blank\" data-type=\"post\" data-id=\"134880\" rel=\"noreferrer noopener\">cancellation of debt<\/a>, and business-related borrowing can affect deductions or income reporting. These situations, rather than the loan balance, are what bring debt into the tax picture.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-credit-card-debt-affects-taxes\">How Credit Card Debt Affects Taxes<\/h2>\n\n\n\n<p>Credit cards are one of the most common forms of debt. They are also one of the most misunderstood when it comes to taxes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"credit-card-balances-and-tax-reporting\">Credit Card Balances and Tax Reporting<\/h3>\n\n\n\n<p>Carrying a credit card balance does not directly change your taxes. Whether you owe a small amount or a large one, the balance itself is not reported as income or a deduction.<\/p>\n\n\n\n<p>Making minimum payments, paying late, or carrying debt over multiple months does not automatically affect your tax return. From a tax perspective, balances alone are usually irrelevant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"credit-card-interest-and-deductibility\">Credit Card Interest and Deductibility<\/h3>\n\n\n\n<p>In most cases, <a href=\"https:\/\/trybeem.com\/blog\/personal-loan-vs-credit-card-which-is-best-for-you\/\" target=\"_blank\" data-type=\"post\" data-id=\"151128\" rel=\"noreferrer noopener\">personal credit card<\/a> interest is not deductible. Interest paid on everyday expenses like groceries, clothing, or travel does not qualify for tax benefits.<\/p>\n\n\n\n<p>Even though interest can feel like a financial loss, it generally does not lower your taxable income. Only in limited business-related situations does credit card interest become relevant for deductions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-personal-loans-affect-taxes\">How Personal Loans Affect Taxes<\/h2>\n\n\n\n<p>Personal loans are flexible and can be used for many purposes. For tax purposes, how the money is used matters more than where it comes from.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"personal-loans-used-for-personal-expenses\">Personal Loans Used for Personal Expenses<\/h3>\n\n\n\n<p>When personal loans are used for living expenses, travel, medical bills, or other private needs, the interest is usually not deductible.<\/p>\n\n\n\n<p>The tax system treats these loans similarly to credit cards. Since the expenses are personal, there is typically no tax benefit attached to the interest paid.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"loans-used-for-business-or-investment-purposes\">Loans Used for Business or Investment Purposes<\/h3>\n\n\n\n<p>When borrowed money is used for business operations or investment activities, interest treatment can be different. In some cases, interest may be considered a business or investment expense.<\/p>\n\n\n\n<p>This distinction exists because the loan supports income-generating activity. Proper documentation is essential to show how the funds were used.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"student-loans-and-tax-considerations\">Student Loans and Tax Considerations<\/h2>\n\n\n\n<p>Student loans are one of the most common forms of <a href=\"https:\/\/trybeem.com\/blog\/the-long-term-benefits-of-staying-debt-free\/\" target=\"_blank\" data-type=\"post\" data-id=\"287243\" rel=\"noreferrer noopener\">long-term debt<\/a>. They also have some of the clearest connections to tax rules.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"student-loan-interest-and-taxes\">Student Loan Interest and Taxes<\/h3>\n\n\n\n<p>Student loan interest in many cases can be made eligible for special tax treatment. This helps in reducing the taxable income of the borrowers who are eligible.<\/p>\n\n\n\n<p>Eligibility is judged by factors such as the borrower&#8217;s income level, filing status, and type of loan. Not all the borrowers that are made to loan will qualify, but a great number of people are benefited by this provision during their repayment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"loan-forgiveness-and-tax-impact\">Loan Forgiveness and Tax Impact<\/h3>\n\n\n\n<p>Some student loan programs allow forgiveness after certain conditions have been met. The tax impact will depend on the program and the present regulations when a part of the loan has been forgiven.<\/p>\n\n\n\n<p>For some cases, the forgiven amount can be excluded from the income. However, in other cases, it can be considered as taxable. It is essential to understand the specific forgiveness program.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mortgage-debt-and-taxes\">Mortgage Debt and Taxes<\/h2>\n\n\n\n<p><a href=\"https:\/\/trybeem.com\/blog\/house-hacking-rent-out-rooms-vs-rent-elsewhere\/\" target=\"_blank\" data-type=\"post\" data-id=\"276156\" rel=\"noreferrer noopener\">Housing-related debt<\/a> is treated differently from most other personal loans. This reflects the importance of homeownership in tax policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"home-mortgage-interest\">Home Mortgage Interest<\/h3>\n\n\n\n<p>Mortgage interest is sometimes deductible because homeownership is encouraged through tax incentives. This deduction applies to certain qualified loans used to buy or improve a primary residence.<\/p>\n\n\n\n<p>Not all mortgage interest qualifies, and limits may apply. Still, this is one of the few major areas where personal interest can affect taxes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"home-equity-loans-and-lines-of-credit\">Home Equity Loans and Lines of Credit<\/h3>\n\n\n\n<p>Home equity loans and lines of credit allow homeowners to borrow against their property. Whether the interest is deductible depends on how the funds are used.<\/p>\n\n\n\n<p>If the money is used for home improvements, it may qualify. If it is used for unrelated expenses, the interest usually does not.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"debt-forgiveness-and-cancellation-of-debt-income\">Debt Forgiveness and Cancellation of Debt Income<\/h2>\n\n\n\n<p>Debt forgiveness is one of the most confusing areas of taxation. Many people are surprised to learn that canceled debt can create tax obligations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"what-happens-when-debt-is-forgiven\">What Happens When Debt Is Forgiven<\/h3>\n\n\n\n<p>When a lender forgives part or all of a debt, you are no longer required to repay that amount. From a tax perspective, this can be seen as a financial gain.<\/p>\n\n\n\n<p>Because you received money that you no longer have to return, the forgiven portion may be treated as income. This is often called cancellation of debt income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"common-situations-that-trigger-forgiveness\">Common Situations That Trigger Forgiveness<\/h3>\n\n\n\n<p>Debt forgiveness can happen through settlements, credit card charge, offs, loan modifications, or formal cancellations.<\/p>\n\n\n\n<p>For instance, if you arrange a settlement for under the full balance, the remaining part of the sum will be likely forgiven. The lenders could notify the tax authorities of this, which might lead to a tax liability.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2026\/02\/Credit-Card-Debt-2-1024x576.webp\" alt=\"\" class=\"wp-image-288725\" srcset=\"https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2026\/02\/Credit-Card-Debt-2-1024x576.webp 1024w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2026\/02\/Credit-Card-Debt-2-300x169.webp 300w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2026\/02\/Credit-Card-Debt-2-768x432.webp 768w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2026\/02\/Credit-Card-Debt-2-1536x864.webp 1536w, https:\/\/trybeem.com\/blog\/wp-content\/uploads\/2026\/02\/Credit-Card-Debt-2.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-debt-impacts-credits-deductions-and-filing-results\">How Debt Impacts Credits, Deductions, and Filing Results<\/h2>\n\n\n\n<p>Usually, debt does not have a direct tax impact but it can affect the overall results in a very fine way.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"effect-on-income-based-credits\">Effect on Income, Based Credits<\/h3>\n\n\n\n<p>Debt payments don&#8217;t lower your taxable income. Paying interest or principal does not lower reported earnings.<\/p>\n\n\n\n<p>However, forgiven debt can increase income. This increase may affect eligibility for income-based credits or benefits.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"effect-on-refunds-and-amounts-owed\">Effect on Refunds and Amounts Owed<\/h3>\n\n\n\n<p>Because debt-related events can change reported income, tax results may vary from year to year.<\/p>\n\n\n\n<p>A year with forgiven debt may result in a smaller refund or higher amount owed. A year without such events may look very different, even if your financial situation feels similar.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Read: <a href=\"https:\/\/trybeem.com\/blog\/15-mistakes-that-keep-people-stuck-in-debt\/\" target=\"_blank\" data-type=\"post\" data-id=\"287886\" rel=\"noreferrer noopener\">15 Mistakes That Keep People Stuck in Debt<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"common-debt-related-tax-misunderstandings\">Common Debt-Related Tax Misunderstandings<\/h2>\n\n\n\n<p>Many people base decisions on assumptions that are not accurate. Clearing up these beliefs prevents costly mistakes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"paying-interest-lowers-my-taxes\">\u201cPaying Interest Lowers My Taxes\u201d<\/h3>\n\n\n\n<p>Most personal interest does not reduce taxes. Paying more interest usually increases expenses without creating tax benefits.<\/p>\n\n\n\n<p>Only specific types of interest qualify for deductions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"debt-reduces-my-taxable-income\">\u201cDebt Reduces My Taxable Income\u201d<\/h3>\n\n\n\n<p>Owing money does not lower your income for tax purposes. Taxable income is based on earnings, not liabilities.<\/p>\n\n\n\n<p>Unless special rules apply, debt balances are ignored.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"settling-debt-has-no-tax-impact\">\u201cSettling Debt Has No Tax Impact\u201d<\/h3>\n\n\n\n<p>Settling debt can create taxable income. Many people are caught off guard when forgiven amounts appear on tax forms.<\/p>\n\n\n\n<p>Ignoring this impact can lead to underreporting.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"record-keeping-for-debt-related-tax-events\">Record Keeping for Debt-Related Tax Events<\/h2>\n\n\n\n<p>Good documentation protects you and supports accurate reporting. It is especially important when debt affects taxes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tracking-interest-payments\">Tracking Interest Payments<\/h3>\n\n\n\n<p>Statements showing interest paid are essential for any potential deductions. These records help verify amounts and eligibility.<\/p>\n\n\n\n<p>Keeping yearly summaries simplifies filing and reduces errors.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"keeping-records-of-loan-forgiveness-or-settlements\">Keeping Records of Loan Forgiveness or Settlements<\/h3>\n\n\n\n<p>Settlement agreements, cancellation notices, and lender statements should be retained. These documents explain why certain amounts were forgiven.<\/p>\n\n\n\n<p>They are critical if questions arise during filing or audits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"preparing-for-future-tax-years-with-debt-in-mind\">Preparing for Future Tax Years With Debt in Mind<\/h2>\n\n\n\n<p>Awareness is more valuable than complex strategies. Understanding how debt interacts with taxes helps you prepare calmly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"understanding-how-loan-use-affects-taxes\">Understanding How Loan Use Affects Taxes<\/h3>\n\n\n\n<p>The purpose of a loan often determines its tax treatment. Business, education, housing, and personal uses are treated differently.<\/p>\n\n\n\n<p>Knowing this connection helps you anticipate potential reporting requirements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"reducing-tax-surprises-related-to-debt\">Reducing Tax Surprises Related to Debt<\/h3>\n\n\n\n<p>Regularly reviewing loan statements and forgiveness notices reduces unexpected outcomes.<\/p>\n\n\n\n<p>Staying informed prevents last-minute confusion during tax season.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"frequently-asked-questions\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1770426115104\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is credit card debt tax-deductible?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, personal credit card debt is generally not tax-deductible. Interest paid on everyday expenses does not qualify for deductions. Only limited business-related situations may allow interest to be deducted. For most people, credit card debt has no direct tax benefit.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770426115902\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Does paying off a loan affect my taxes?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Paying off a loan does not usually change your taxes. Repaying principal and interest does not affect taxable income. However, if a loan is forgiven as part of payoff, that forgiven amount may be taxable. Normal repayment has no tax impact.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770426116468\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is forgiven debt considered taxable income?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Often, yes. When a lender cancels part of a debt, the forgiven amount may be treated as income. Some exceptions exist, depending on financial circumstances and loan type. Documentation is important in these cases.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770426133289\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Do personal loans reduce taxable income?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, personal loans do not reduce taxable income. Borrowed money is not income, and repayments are not deductions. Interest is usually not deductible either. As a result, personal loans rarely affect taxes directly.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770426143089\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can debt affect my tax refund?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Debt itself does not affect refunds. However, debt forgiveness can raise taxable income and lower refunds. Some deductions or credits related to certain loans may also have an impact. The effect depends on the kind of debt and the events that happened during the year.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>Credit card debt and loans mainly have an indirect effect on taxes, not through the balances or payments alone. Money that is borrowed is not considered income &#8211; and most personal interest is not deductible. Rather, taxes are impacted by the ways in which loans are taken, whether interest qualifies for special treatment, and whether any debt is forgiven.<\/p>\n\n\n\n<p>Knowing when debt is tax, relevant is a good way to avoid being blindsided and misinformed. By having accurate records and being clearly aware, people can look forward to the tax season with confidence and thus, prevent unnecessary worries about their financial obligations.<\/p>\n\n\n\n<p>Check out\u00a0<a href=\"https:\/\/trybeem.com\/budget-tracker-planner\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a>\u00a0for on-point financial insights and recommendations to spend, save, plan and protect your money like an expert. Download the\u00a0<a href=\"https:\/\/apps.apple.com\/us\/app\/beem-cash-advance-banking\/id1525101476\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a>\u00a0app today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quite a few people seem to think that if you have debt it&#8217;ll be reflected in your tax bill. Most of us associate the hefty sums on credit card statements, personal loans, student loans or mortgages with fortress financial burdens, so it&#8217;s only reasonable to assume they will make a direct impact on your taxes. [&hellip;]<\/p>\n","protected":false},"author":80,"featured_media":288724,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2317],"tags":[4790,531,10951,107,168,18975,191,2292],"edited-by":[],"class_list":["post-288720","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-taxes","tag-beem","tag-credit-card","tag-credit-card-debt","tag-financial-planning","tag-money-matters","tag-mortgage-debt","tag-personal-finance","tag-tax-filing"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/288720","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=288720"}],"version-history":[{"count":4,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/288720\/revisions"}],"predecessor-version":[{"id":288726,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/288720\/revisions\/288726"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/288724"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=288720"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=288720"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=288720"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=288720"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}