"XP Debt" or Experience Point Debt is a(n) amount of Experience Points that are given to a normal character to repay lost time, once he/she dies. While in the debt, only half of the XP you earn in combat goes towards levelling your character, and the remaining XP goes to repaying the debt. The debt obviously makes it harder to level and the more you die the higher it goes. Also the higher the character the higher the XP debt.
- NOTE: Experience gained before death is not lost.... so don't worry you dont start all over.