There are several synonyms for the phrase "is indebted" such as owes, is obligated, is beholden, is owing, is in arrears, and is under obligation. The term is used to describe a situation where someone owes a debt of gratitude or owes money to someone. It is commonly associated with financial debt, but can also refer to emotional or social obligations. It is important to recognize when one is indebted to someone, as acknowledging and repaying that debt can foster positive relationships and a sense of gratitude. Using alternative phrases such as "owes" or "is obligated" can provide greater nuance and clarity to communication.