Technical debt has long been recognized in technical circles for years, but convincing your manager to budget time to repay "technical debt" has always been problematic. Let's couch the term technical debt concept in language more familiar to our managers: credit card debt.

Like credit card debt, technical debt accumulates slowly over time, and usually takes just as long to pay off. The interest slowly builds up until you're no longer able to pay off the principle: your entire development cycle is devoted to just "paying the interest". We'll examine common types of technical debt and strategies to effectively communicating the problems, and their solutions, to your managers.