Being in debt for something can be a burden on your finances. However, using synonyms to describe this can make it sound less daunting. Some of the synonyms that can be used instead of "be in debt for" include "owing money", "having a financial obligation", "being in arrears", "being heavily indebted", and "having a debt to pay". These synonyms convey the same meaning but can be used in different contexts to make your message more impactful. For instance, if you want to describe the seriousness of the debt, you can say, "they are heavily indebted" or if you want to address a specific amount, you can say "they owe $10,000".