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This is an advanced undergraduate seminar that explores how racial stigma functions as a marker of being always already in debt. In view of the legacies of settler-colonialism, imperialism and chattel slavery, how is it that those from whom so much has been taken are nevertheless regarded as perpetually in debt? We shall examine the moral, economic and racialized logics of power through which a range of political subjects come to be regarded as ungrateful “takers” as opposed to “makers,” and owing a debt to society. In so doing, we will investigate how temporality functions as a tool of power by considering how the indebted are made vulnerable to precarity, discipline, and disposability—in effect, forced to live life on borrowed time.