indebtedness

[in-det-id-nis]
noun
1.
the state of being indebted.
2.
an amount owed.
3.
debts collectively.

Origin:
1640–50; indebted + -ness

overindebtedness, noun
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Based on the Random House Dictionary, © Random House, Inc. 2014.
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World English Dictionary
indebtedness (ɪnˈdɛtɪdnɪs)
 
n
1.  the state of being indebted
2.  the total of a person's debts

Collins English Dictionary - Complete & Unabridged 10th Edition
2009 © William Collins Sons & Co. Ltd. 1979, 1986 © HarperCollins
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Example sentences
Thus a big external deficit does not necessarily imply a commensurate rise in
  net indebtedness to foreigners.
Consumer indebtedness is soaring, the savings rate is down to zero and people
  are filing for bankruptcy at record rates.
Continuing and expanding grant and work-study programs is also important for
  reducing student indebtedness.
Of course, the solution to the problem is to reduce student indebtedness and/or
  increase student earnings.
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