debt

Many university students graduate with significant student loan debt that takes years to pay off.

(Chinese) 许多大学生毕业时背负着沉重的学生贷款债务，需要多年才能还清。

I feel a deep sense of debt to the neighbors who helped me move my furniture in the rain.

(Chinese) 我对那些在雨中帮我搬家具的邻居深感欠了一份人情。