Used and loved by millions
Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com
heavily indebted
Grammar usage guide and real-world examplesUSAGE SUMMARY
"heavily indebted" is a correct and usable phrase in written English.
It is a way of saying that someone is in a lot of debt, carrying a large amount of financial liabilities. Example: The company was heavily indebted after they took out a large loan to expand their operations.
✓ Grammatically correct
News & Media
Academia
Encyclopedias
Table of contents
Usage summary
Human-verified examples
Expert writing tips
Linguistic context
Ludwig's wrap-up
Alternative expressions
FAQs
Human-verified examples from authoritative sources
Exact Expressions
60 human-written examples
Some are heavily indebted, too.
News & Media
Ireland is heavily indebted to Germany and Britain.
News & Media
Israelite royal ideology was heavily indebted to Canaanite royal ideology.
Academia
Within three years the heavily indebted firm was bust.
News & Media
Many Brazilian firms are heavily indebted in dollars.
News & Media
In particular, the country's municipal governments are heavily indebted.
News & Media
Heavily indebted governments tend to be bad governments, sceptics argue.
News & Media
Although some homebuilders are heavily indebted, households are not.
News & Media
Heavily indebted students face two kinds of risks.
News & Media
So too Italy, which is heavily indebted to boot.
News & Media
And the heavily indebted need time to repair their finances.
News & Media
Expert writing Tips
Best practice
When using "heavily indebted", ensure the context clearly indicates who or what is in debt (e.g., country, company, individual). Be specific about the entity carrying the debt.
Common error
Avoid vague statements about why someone is "heavily indebted". Always provide context or explanation for the debt, like poor financial planning, unexpected economic downturns, or excessive spending.
Source & Trust
88%
Authority and reliability
4.5/5
Expert rating
Real-world application tested
Linguistic Context
The phrase "heavily indebted" functions as a descriptive adjective phrase, modifying a noun to indicate a significant level of debt. As Ludwig AI states, it describes a state of carrying a large amount of financial liabilities. Examples in Ludwig show its application to countries, companies, and individuals.
Frequent in
News & Media
74%
Academia
12%
Encyclopedias
4%
Less common in
Science
3%
Formal & Business
3%
Wiki
0%
Ludwig's WRAP-UP
In summary, "heavily indebted" is a grammatically sound and frequently used adjective phrase that describes a state of owing a substantial amount of money. Ludwig AI confirms its correct usage for indicating significant financial liabilities. As shown by Ludwig, it appears most often in News & Media and academic sources. To improve writing, ensure the subject is clearly specified, and provide context for the cause of indebtedness. Alternatives like "deeply in debt" or "saddled with debt" can be considered for variety.
More alternative expressions(10)
Phrases that express similar concepts, ordered by semantic similarity:
Deeply in debt
Emphasizes the extent of the debt using a different adjective.
Burdened by debt
Similar to "saddled with debt", but less metaphorical.
Saddled with debt
Uses a metaphor to describe the burden of debt.
Under a mountain of debt
Uses a strong metaphor to express the overwhelming nature of the debt.
Carrying a large debt load
Focuses on the amount of debt being held.
Financially overleveraged
Emphasizes the financial risk associated with high debt.
Struggling with debt
Focuses on the difficulties caused by the debt.
Bogged down by massive debts
Implies the debt is impeding progress or movement.
Facing significant debt obligations
A more formal way of expressing the situation.
In dire financial straits due to debt
Highlights the severity of the financial situation caused by debt.
FAQs
How can I use "heavily indebted" in a sentence?
You can use "heavily indebted" to describe countries, companies, or individuals with significant debt, for example: "The "heavily indebted country" struggled to meet its financial obligations".
What are some alternatives to saying "heavily indebted"?
Alternatives include "deeply in debt", "saddled with debt", or "burdened by debt". The choice depends on the specific nuance you want to convey. See the alternatives in the "related phrases" section.
Is it more appropriate to say "heavily indebted" or "highly leveraged"?
"Heavily indebted" and "highly leveraged" are similar, but "highly leveraged" implies a strategic use of debt, while "heavily indebted" often suggests a more problematic or unsustainable level of debt. Both phrases are useful and can be semantically interchangeable in certain contexts.
What are the risks associated with being "heavily indebted"?
Being "heavily indebted" can lead to financial instability, difficulty in meeting financial obligations, and increased vulnerability to economic downturns. It can also limit future investment opportunities.
Editing plus AI, all in one place.
Stop switching between tools. Your AI writing partner for everything—polishing proposals, crafting emails, finding the right tone.
Table of contents
Usage summary
Human-verified examples
Expert writing tips
Linguistic context
Ludwig's wrap-up
Alternative expressions
FAQs
Source & Trust
88%
Authority and reliability
4.5/5
Expert rating
Real-world application tested