Too much debt means you aren't creating and delivering enough genuine value to others.
Spiritually this means you aren't in resonance with your higher self -- the two of you are out of sync in your character traits. The basic solution is that you need to close that gap a bit.
One thing that helped me a lot with this was doing meditations to connect with my higher self. I use a process similar to the one here, except I connect with my higher self instead of my future self (there are some differences between the two -- the higher self is more of an ideal):
http://www.stevepavlina.com/blog/200...te-meditation/
I got to know my higher self's character traits, and by interacting with him I could see a contrast between us. He's very Aries, so to speak. He's bold, confident, fearless -- even funny -- but with a twist of compassion in the form of a tough-love approach. He was the inner ideal I was striving to become.
The better I get at internalizing his qualities, the more
me I feel, and the more value I'm able to generate for others because I'm tuned in to my highest source of value.
This is a challenging process because in order to resonate with my higher self, I had to become more courageous, which meant I had to do more of what I feared. Not easy but very powerful in the long run. I always know that when I check in with him, he's going to point out what I'm still fearing and push me to do exactly that. Now I just accept that whatever I fear, I'll eventually have to do.
If you aren't into the whole "higher self" model, just consider it as an abstraction useful for visualization purposes.
You can even connect with the higher selves of other people using the same meditation. I love connecting with Erin's higher self because she just oozes compassion and unconditional love.