To dream that you are in debt means that you are feeling afraid of losing your friendships with others. The debt could also signify the fact that you think that someone owes something to you, but only if another person is in debt with you. If you give someone lots of your attention and love but do not receive the same, then it means that you are feeling that life is not fair to you. You should think of situations or people that are very important to you and sort it out.
Read more about dreaming of Debt in other dream meanings interpretations.