Tom kulaklarına kadar borçlu. - Tom is up to his ears in debt.
Tom kulaklarına kadar borçlu.
Tom is up to his ears in debt.
O gırtlağına kadar borçludur. - He is up to his ears in debt.
O gırtlağına kadar borçludur.
He is up to his ears in debt.
... by student loan debt ...
... debt burdens from taking those classes as if I had just walked ...