To dream of being in debt represents a overwhelming sense of obligation, struggle or worries. It may also reflect feelings of needing to bring restitution to a situation that you feel guilty for. Feeling that you have to return a favor. Feeling that you have to respect someone or something.
Alternatively, dreaming of being in debt may represent a situation that feels horrible because you can’t do anything you really want until a situation is balanced.
To dream of not wanting to pay back your may reflect resentment of having to respect a person or situation. Negatively, it may be a sign that you are being dishonest or falling back on your promises.
To dream that others are to you may reflect feelings of being owed favors, opportunities, or respect. Negatively, it may be a sign that you are worried about someone cheating you or never keeping a promise. Negatively, having others in debt to you may be a sign that you are demanding too much from others.