Farmers borrow money to purchase basic things like seeds, fertilizers and pesticides. Often they borrow this money from money lenders. If the seeds are not of good quality or pests attack their crop, there can be a major crop failure. The crops can also be ruined if the monsoon does not bring enough rain. When this happens farmers sometimes are unable to pay back their loans. And, for the family to survive, they may even have to borrow more money. Soon the loan becomes so large that no matter what they earn, they are unable to repay. This is when we can say they are caught in debt.