To answer this question, we need to consider that the essence of humor is a humorous expression. When answering this question, we can try to solve the embarrassment or reduce the tension through some humorous ways. Here are some possible humorous responses:

1. "Debt, debt, you really make me unbearable. I am almost the number one creditor! "

2. "Debt is only temporary, but laughter is eternal. You owe a lot of debts, and I laughed a lot! "

3. "When the creditor comes to me, I have to act quickly, otherwise I am afraid of rubbing off a flower on the threshold!"

4. "Being in debt is not terrible, but I am afraid that the creditor will be a little stubborn, so I will tell him: Don't worry, pay it back tomorrow!"

5. "Never mind the debt, give me three days, and I promise not to borrow it!

These humorous replies are intended to ease the embarrassing situation and bring laughter to the other party through exaggeration, ridicule or clever words, but they are only humorous answers to questions. In real life, the debt problem needs to be taken seriously, solved and communicated with creditors. Remember, humorous answers are just to adjust the atmosphere, but they can't solve the real problem.