Being in debt can be a stressful and challenging experience for many individuals. However, there are several synonyms for the phrase "are in debt" that can help express this situation more eloquently. Some alternatives to this phrase include "owing money," "having outstanding debt," "in arrears," "in the red," "indebted," "owing a debt," or "in a state of financial strain." Each of these synonyms conveys a slightly different connotation, but they all describe a situation in which an individual or entity is obligated to pay back money that they currently do not have. Ultimately, it is crucial to recognize the importance of managing debt effectively and seeking help if necessary.