Over one in four Americans have ALREADY decided to forgo a summer vacation this year, and 22% remain undecided, according to a new survey by Bankrate.

The most popular reason: they can’t afford it.

Sixty percent of respondents cited that they aren’t planning a vacation because they can’t afford it, with 44 percent siting day-to-day bills were the most inhibiting factor and 22 percent saying they are paying down debt.

In line with those findings, Bankrate notes that only 40 percent of Americans would be able to cover a $1,000 emergency expenseand 29 percentof American households have more credit card debt than they do savings.

Paid time off is meant to reduce stress and improve employee wellbeing, so when large chunks of the workforce aren’t able to capitalize on their PTO it can hurt the organization as a whole.

But don’t sweat! Relieving stress is not just about taking days off and PTO Exchange has the remedy.

PTO Exchange has developed a fully customizable platform which provides organizations the ability to offer employees the flexibility to swap their accrued PTO for whatever means the most to them, when they need it the most.

Ranging from student loan repayment, education support, healthcare or retirement savings, to travel and charity, employers are no longer stuck worrying about employee wellbeing if they can’t take vacation.

For many people, taking time away from your job can be MORE stressful. Help those who are overwhelmed with debt and bills find comfort – even in the office.