| Unpaid credit card bills, e.g. | 30 |
| Tough thing to get out of, often | 32 |
| This may cause vigorish | 23 |
| Thing often of interest? | 24 |
| Thing of interest? | 18 |
| The ___ ceiling | 15 |
| Student loan, e.g. | 18 |
| Result of some sprees | 21 |
| Result of overspending | 22 |
| Result of charging | 18 |
| Result of a dough shortage? | 27 |
| Red ink signifies it | 20 |
| Reason for an IOU | 17 |
| Plastic user's woe | 22 |
| Plastic user's accumulation | 31 |
| Owed money | 10 |
| Outstanding bill | 16 |
| One of America's problems | 29 |
| Obligatory note | 15 |
| National U.S. problem | 21 |
| National problem | 16 |
| N.Y.C. problem | 14 |
| Money owed to record company | 28 |
| Many a student's burden | 27 |
| Loan, e.g. | 10 |
| Large U.S. problem | 18 |
| Item in the red | 15 |
| It's often acquired with a new house | 40 |
| It'll cost you to be in it | 30 |
| It might be guaranteed | 22 |
| It may lead to bankruptcy | 25 |
| It may be something of great interest | 37 |
| It may be run up at Christmastime | 33 |
| It could be something of great interest | 39 |
| IOU subject | 11 |
| Insolvency cause | 16 |
| Indentured servantÂ’s problem | 32 |
| In ___ (owing money) | 20 |
| If it's outstanding, it's really not good | 49 |
| I.O.U. matter | 13 |
| I.o.u. cause | 12 |
| Hole to be dug out of? | 22 |
| Government worry | 16 |
| Gambler's problem | 21 |
| Focus of a current U.S. government crisis | 41 |
| Fiscal cliff concern | 20 |
| Financial worry | 15 |
| Financial headache | 18 |
| Economic burden | 15 |
| Current national all-time record | 32 |
| Creditor's concern | 22 |
| Credit user's problem | 25 |
| Credit card total | 17 |
| Credit card problem | 19 |
| Credit card outcome | 19 |
| Credit card bills, e.g. | 23 |
| Credit card aftermath | 21 |
| Creation from plastic? | 22 |
| Corporate woe | 13 |
| Concern of a certain ceiling | 28 |
| College loan aftermath | 22 |
| Clancy's "--- of Honor" | 37 |
| Clancy's "___ of Honor" | 37 |
| Chit subject | 12 |
| Charger's acquisition | 25 |
| Cardholder's problem | 24 |
| Borrowing burden | 16 |
| Bankruptcy factor | 17 |
| Balance due, e.g. | 17 |
| Balance due | 11 |
| Bad thing to run up | 19 |
| Auto loans and credit card balances | 35 |
| Asset's opposite | 20 |
| Arrearage | 9 |
| Antonio's worry | 19 |
| America exports a ton of it | 27 |
| $277-billion item | 17 |
| ___ ceiling | 11 |
| Creditor | 8 |
| Lender, legally speaking | 24 |
| One in a hole | 13 |
| One in the red | 14 |
| Borrower | 8 |
| Short person? | 13 |
| One with obligations | 20 |
| One who owes | 12 |
| One in the hole | 15 |
| Credit card user | 16 |
| Usurer's victim | 19 |
| Sinner | 6 |
| One with charges against him? | 29 |
| New homeowner, probably | 23 |
| Many a homeowner | 16 |
| Visa user | 9 |
| Visa abuser | 11 |
| Unsettled one? | 14 |
| Shark's victim, at times | 28 |
| Outstanding person? | 19 |
| One with lots of markers | 24 |
| One with an account to settle | 29 |