The Tynecastle club were hit by the points penalty from the Scottish Professional Football League after entering administration.
Holt insists the Hearts squad are up for the test though, starting with their opening fixture against St Johnstone at McDiarmid Park on 3 August.
"Minus 15 to start with is not fazing us at all. We really believe that we can get out of this situation and we are really up for the challenge," Holt said.
Hearts supporters have mobilised to raise funds for the stricken club, and are on course to sell 10,000 season tickets by the end of the week.
And Holt admits he has been impressed by the response of the fans as Hearts battle for their future.
The 20-year-old added: "What the fans have been doing has been amazing. It's brilliant for the club and it can only bode well. The funds they have raised are fantastic so as players we just need to thank them.
"The fans were really, really positive about the funds that they are raising, and so are we. I think it's great what they are doing and long may it continue."