Karmic Debts

Hi everyone, what is karmic debt, and what role does it play in our journey toward moksha? What are the different types of karmic debt, and how can we determine which ones we need to resolve in this lifetime? Is there a way to identify our specific karmic debts?

I’ve been reading about this and watched a few YT videos, but I’d love to hear your insights/explanations. Thank you so much!