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11 Signs You Have Karmic Debt (+ How To Repay It)

11 Signs You Have Karmic Debt (+ How To Repay It)

Karma is a law of the universe; most simply summarized by the saying ‘what goes around comes around’. It’s a completion of the circle of cause and effect or sowing and reaping.

Our behavior, including our thoughts, actions, words, and intentions, will always affect the experience we create for ourselves.

Karmic debt is the energy or experiences that we owe. We go through these karmic debt experiences as payment for our past choices. 

The universal law of karma, of course, applies to both positive and negative actions.

When we discuss karmic debt, it is more often in the context of negative experience, as we are seeking to understand and alchemize the lessons from these situations.

In this article, we will explore the concept of karmic debt and learn how to intentionally repay or clear karmic debt.

What Is Karmic Debt?

Karmic debt is the effect or consequence of your behavior or unresolved issues. These issues can be carried over from a past life experience or from your present life.

When exploring the concept of karmic debt, we consider that our actions from all lifetimes, timelines, dimensions are interconnected. 

The higher purpose for karmic debt is to learn and expand by becoming more compassionate and loving beings with an ever-deepening experience of oneness.

It's a universal law that ensures that we fully experience and learn from the impact of our actions.

In the next section, we delve into the signs that you have karmic debt, and these will allow you to more fully comprehend what karmic debt is.

11 Signs You Have Karmic Debt

The signs of Karmic Debt

Sign #1: You struggle to stay present

One of the first signs that you have karmic debt can be that you find it challenging to be fully present in life. It may be a struggle to experience each moment with presence.

This may seem like a general sign, but the reason it can be linked to karmic debt is that the debt is keeping you tied to the past.

You are bound to the energy of this past experience until your debt is settled, the lesson is learned.

Sign #2: You feel an energetically or physically heavy

The energetic imprint of karmic debt can be stored within your etheric body which can affect your physical body.

Your particular karmic lesson may also have to do specifically with physical discomfort or struggle.

In these ways, the debt can feel like a weight to your spirit or physical body. This may be an unexplained feeling or you may be aware of the experience that is weighing you down. 

Sign #3: You experience recurring unwanted situations 

Until you have fully felt the impact and integrated the lesson from your karmic debt, you will experience uncomfortable situations.

These situations are playing out so that you can learn through experience.

You may go through the lesson repeatedly until you have experienced the equivalent discomfort of the harmful action you inflicted in the past and accept and apply the lesson you need to learn.

It’s even possible that you will go through the situation until you seek and embrace forgiveness.

Sign #4: You experience situations that trigger similar painful emotions 

situations triggering painful emotions as a sign of karmic debt

This sign is similar to the one above, but it specifically has to do more with the emotional aspect of karmic debt.

Experiencing the emotions that are tied to your debt is a way of teaching you the impact of your wrongs.

Through painful emotions, we deepen our compassion and empathy, which will keep us from repeating the wrong.

Experiencing negative emotions is a way of repaying debts for the harm we have caused in our present life or unresolved karma from past lives.

❤️ Related Post: The EMOTIONAL SCALE – What It Is, And How To RISE Up It

Sign #5: You are often forced to introspect

When you are carrying karmic debt, you will encounter situations and people that leave you with no other choice but to introspect.

You will be guided to take responsibility, to look within and accept how your past actions, thoughts, and words lead to your current experience.

This will mean a deep introspection to the point where you understand that everything that is happening is for a reason, no matter how challenging it may be. 

Introspection allows us to acknowledge multidimensional and nonlinear perspectives that help us comprehend how even karmic debt that may be from many lifetimes ago is surfacing to be settled for the highest good.

Sign #6: It seems like life is not working in your favor

Karmic debt is a universal law that is ultimately helping us to expand our consciousness.

This does not mean it is an easy experience. On the contrary, it can sometimes feel as if life is still a constant struggle no matter how much you try.

This is often one of the early signs when you are still accepting your debt and lesson. 

Feeling overwhelmed at times is common as these are the emotions that you need to feel to repay your karmic debt.

Like any deep healing and learning process, this is something that requires patience.

Sign #7: You struggle with forgiveness

One of the reasons that karmic debt can draw out over time is unforgiveness. For these debts to be cleared, forgiveness is essential.

For many types of karmic debts to be settled, it is required that you seek forgiveness from the other beings you have harmed and forgiveness from yourself. 

Forgiveness is easier once you have truly accepted, introspected, and transformed.

Sign #8: You have close relationships that are very difficult 

difficult relationships as a sign of karmic debt

Almost all relationships have their challenges, but when you are in a karmic debt relationship, it is particularly difficult.

These relationships are purposefully challenging and deliberately difficult to evade.

These could be relationships that you are going through so that you can learn the lessons that will ultimately lead to the expansion of your consciousness.

❤️ See also: Karmic Soulmate: What One Is + 13 Signs You’ve Met Yours

Sign #9: You have specific and seemingly irrational fears

This sign is particularly relevant when we are dealing with karmic debt from many lifetimes ago.

The unresolved experiences become stored within your etheric memory (the akashic records). 

When it is time to repay your debt and transform your consciousness, you may experience specific and irrational fears that have no link to your present life but are linked to the theme of your karmic debt.

An example of how this could work is: say you killed someone in a past life and left them in a river. You may reincarnate with a seemingly irrational fear of rivers or even bodies of water.

It is worth noting that fear could also be a sign that you have unresolved childhood trauma or subconscious patterns that are creating these fears.

Sign #10: You feel like something unexplained is holding you back 

If you consistently experience the feeling that something is holding you back, especially if you are not clear on what it is, then this can be a sign of karmic debt. 

The feeling of being stuck or held back will likely persist until you have gone through the experience required to repay your debt. 

Sign #11: Your numerology chart indicates that  you have karmic debt

Numerology is the language of numbers that can help us to understand our experience from a multidimensional perspective.

It can give us information about our soul journey, evolution, and purpose. You can also use it to discern information about the past, present, and future. 

According to karmic debt numbers that arise in your calculations, you can gain insight into the theme of your debt.

This is a large topic in its own right, but we will explore the basics of karmic debt calculation and numbers in the section below.

Karmic Debt Numbers

How to check if you have any karmic debt using numerology calculations:

  • Add up your birthday numbers until you are left with a single digit or karmic debt number.
  • Add up your personality number (birthday+birth month ) till you are left with a single digit or karmic debt number. 
  • Add up your life path number (birthday +birth month +birth year) until you have a single-digit or karmic debt number.

There are 4 karmic debt numbers: 13,14,16, and 19 – each number accordingly reduces to a single digit through addition.

If any of these numbers appear in your calculations, they can indicate the following themes of karmic debt:

  • 13 (4): constant hard work and obstacles before you can fulfill responsibilities and achieve your goals.
  • 14 (5): turbulence, escapism, addiction, and lack of balance due to abuse of your freedom and self-control.
  • 16 (7): unconscious ego, toxic relationships, or heartbreak.
  • 19 (1): extreme self-reliance, individuality disconnected from others, and selfishness.

These explanations of the karmic debt numbers are a very brief overview.

Research this topic further if you seek to learn more about the details of each karmic debt number, including the causes of each number and the best ways to settle the type of karmic debt related to each number.

You can consult these numbers for more clarity and often you will find that the karmic debt number correlates with uncanny relevance to your experiences.

How To Settle And Clear Karmic Debt

The only way to truly settle karmic debt is to learn the lessons that you are meant to learn through the experience.

You will then need to integrate the knowledge into your thoughts, actions, and words. 

There are some things that you can do and some perspectives that can assist you with settling and clearing your debt with more grace and understanding:


Accepting that you have karmic debt is ultimately an experiential means to gain balance, knowledge, and consciousness.

You need to come to peace with the realization that this is an experience that you have to go through.

Understanding the reason for your debt and the way that you are learning through it can help you to go through the experience in a more graceful and grounded manner.

Intentionally choosing to accept your karmic debt can allow you to maintain dignity in response to all situations. You will go through what you need to with less resistance.


The energy of forgiveness is often essential to settle a karmic debt.

Forgiveness is an intentional choice to change your feeling, thoughts, and attitude towards a particular hurtful situation. 

When it comes to settling karmic debt, forgiveness is important in many aspects.

Sometimes, it is required that you seek forgiveness from the person you have harmed through true apology and making amends wherever possible.

If you are unable to make physical contact with the person or situation, you can enter into deep meditation and energetically communicate with the being or time from which you seek forgiveness.

Another element of forgiveness is forgiving yourself for your actions. Forgiveness allows us the energy, space, and grace to transform any situation.


This process will call for deep introspection, and if you genuinely delve into your inner world, you will find that you better understand the role of the karmic debt in your life.

You will be quicker and clearer to embrace the call to growth that has arisen for a reason.

Spiritual Practices and Modalities 

spiritual practices to settle and clear karmic debt

You can also include many healing practices into your life that can help you to move through the process of clearing your karmic debt.

These practices can include meditation, mantra, affirmations, and breathwork.

You could even apply them in a spiritual morning routine.

With these practices, you get a source of grounding and intentional energy that will help you to integrate the lesson from your karma much faster.

These practices are also helpful in purifying and intentionally aligning your energy field to a beneficial state of being. 

You can also look up modalities such as past life regression and shamanic journeying if you need more clarity about the specific cause and solutions to settling your karmic debt.

No matter the gravity of your experience at this moment, you can find some comfort in knowing it all has a divine purpose.

Do the best you can in each moment to be of benefit to the world, yourself, and others.

Any karmic debt is arising to assist you in purifying and learning more about yourself so that you can be your best self. 

When you intentionally take positive action and live with grace and this will align you with the perspective of your higher self.

The more you live in alignment, the easier it is to experience the vibration of being integrated and free of karmic debt.

You will integrate your lessons with grace and reverence when you know that what is happening is deepening your ability to connect, love, and serve yourself and the world.