Depends how big the debt is. Did you borrow money to buy shoes, bike, car or house. The former might be a big deal for a junior but can easily be paid off with

Depends how big the debt is. Did you borrow money to buy shoes, bike, car or house. The former might be a big deal for a junior but can easily be paid off with pocket money by a senior (refactored on the go). While the later more naturally should be part of roadmap and business decisions, even for a senior. To clarify the different levels, first could be something trivial as not following naming standards, missing unit-test or using global variables instead of DI, and the bigger debts would be whole stack depending on some vendor cloud lock-in.