In Debt, copied from the main SR forum Options

[cryptoknight]

Ok RC has.

In Debt
Bonus: 5 to 30 BP
The character is indebted to a third party, usually an underworld
syndicate, large gang or corporation, chosen by the player
with gamemaster approval. For every 5 BP taken, the character
receives an extra 5,000¥ at character creation; this money can be
above and beyond the normal 50 BP cap for gear. The character
then owes her creditor that much plus another 50 percent. The
amount owed increases 10 percent every month, as compound interest.
If the character is unable to pay at least the interest amount
each month, the creditor may send someone looking for her.

Which means if you take 30BP of In Debt, you owe 45,000 to whomever with a 10% interest accruing on balance.
Generally when you want to get rid of a negative quality, you pay it off with karma, but if you manage to make say about 50,000 nuyen in your first month, conceivably, you could pay off your principal + first month's interest.

Would you still have to pay off the BP in karma? And if you didn't... and just went around with In Debt and no principal to pay interest on... what would be the impact?