Tom gırtlağına kadar borçludur. - Tom is up to his neck in debt.
Tom gırtlağına kadar borçludur.
Tom is up to his neck in debt.
O gırtlağına kadar borçludur. - He is up to his ears in debt.
O gırtlağına kadar borçludur.
He is up to his ears in debt.
... by student loan debt ...
... much debt held by by the public as all prior presidents combined. ...