### Read a subscriber's debt

`GET /api/v1/users/{id}/debt`

Total outstanding debt across all creditors, plus the slice of it owed to the calling manager specifically, read live off the loan ledger.

- Authentication: manager session (JWT) or API token
- Permission: `prm_users_index` (View users)
- Risk: read

#### Parameters

| Name | In | Type | Required | Description |
| --- | --- | --- | --- | --- |
| `id` | path | integer | yes | Subscriber id. |

#### Response — 200 OK

```json
{
  "data": { "total": 340.00, "owed_to_me": 120.00 }
}
```