What do you think about those terms?

- Cognitive debt

- Epistemic/epistemological debt

The first I understand is related with neural fisiology, but also psychological processes. Some can be exercised i.e. memory, metacognition, reasoning...

The second is related with formed knowledge, and knowledge that allows to form new pieces of knowledge with new information. Models, paradigms, frameworks.

Both are related and support in certain ways each other, but are different.