> How do you overcome it?

What an interesting way to frame it.

Debt is not something to "overcome". Debt is generally a tool to trade time for value. If you're accruing career debt, it should hopefully pay dividends. This is what people call "career capital".

Hard work does not automatically generate career capital. You have to be hard-working and/or smart and/or charismatic and/or lucky.

The only honest way to make money is to convince others to give you money. My personal advice is to (1) learn what people want and (2) hone your ability to create useful goods and services.

[1] https://taylor.town/make-money

I highly recommend reading So Good They Can't Ignore You for more perspectives on building career capital.

[2] https://www.amazon.com/Good-They-Cant-Ignore-You/dp/03494158...

Also consider reading How to Win Friends and Influence People for guidance on how to create charisma.

[3] https://www.amazon.com/How-Win-Friends-Influence-People/dp/0...

This seems very similar to the premise behind "So good they can't ignore you" by Cal Newport [0].

I haven't got around to reading it yet, but I'd be interested to know if anyone here found it useful.

[0] https://www.amazon.co.uk/Good-They-Cant-Ignore-You/dp/034941...