Welcome to world of MTD. This one is a pain to change the secondary belt on. First you remove the spring on the tensioner idler pulley. If you are lucky you can remove the transmission pulley nut (most time its access is blocked by an cross shaft); otherwise, you need take the four transaxle mounting bolt out and partially drop it out and tilted to the left side. And then there is the sliding sleeve pulley that need to be partially removed so the belt clears the belt retainers. Sometimes this just simply done by removing the retaining bolt and flat washer provided that its pivot shaft is not stuck in the bearings; otherwise, it is removal of the three bolts holding the bearing housing place so you can move the pulley around and get the belt off and on.
BTW it best to go ahead and replace both belts at the same time or you get to do again later.