
    Write a function to calculate the total amount of debt reduction payments made by a loan applicant by summing all negative balance changes in their monthly credit history, where negative values represent payments or debt reductions made by the applicant. The function should only consider negative values in the calculation as these specifically indicate the applicant's debt repayment behavior.
    

    
def sum_negativenum(nums):
    """
    Write a function to calculate the total amount of debt reduction payments made by a loan applicant by summing all negative balance changes in their monthly credit history, where negative values represent payments or debt reductions made by the applicant. The function should only consider negative values in the calculation as these specifically indicate the applicant's debt repayment behavior.
    

    """
def sum_negativenum(nums):
    """
    Write a function to calculate the total amount of debt reduction payments made by a loan applicant by summing all negative balance changes in their monthly credit history, where negative values represent payments or debt reductions made by the applicant. The function should only consider negative values in the calculation as these specifically indicate the applicant's debt repayment behavior.
    

    """
    sum_negativenum = list(filter(lambda nums: nums < 0, nums))
    return sum(sum_negativenum)