Formal:
* రుణగ్రస్తుడు (runagrastudu): This literally means "debt-burdened" and is a formal way to say "in debt."
* ఋణపాలన (runapaalanam): This means "being under debt" or "in the state of being indebted."
Informal:
* రుణంలో (runalo): This means "in debt" and is a more casual way to say it.
* కడతే లేని (kadate leni): This means "having no money to pay back" or "unable to repay."
Other options:
* పరాయి పైసల మీద జీవించడం (paraayi paisala meeda jeevinchadam): This means "living on borrowed money" or "being dependent on others for money."
* రుణం తీసుకొని (runam teesukoni): This means "taking a loan" or "going into debt."
The best translation will depend on the specific context and the tone you want to convey.