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AI coding creates two kinds of debt. You’re only measuring one

Cognitive debt is the technical debt nobody is tracking.
June 18, 2026

Estimated reading time: 9 minutes

Key takeaways:

  • Cognitive debt is the technical debt nobody is measuring. When AI generates code faster than engineers can understand it, teams lose track of what their system does and why.
  • The tool isn’t the problem – the relationship with it is: two interns used AI at the same frequency. The difference? Whether they engaged with what it produced.
  • Your satisfaction scores are hiding the problem! The most reliable signal isn’t how engineers feel, it’s whether their skills are actually developing.

Dr. Margaret-Anne Storey, professor of computer science at the University of Victoria, first used the term ‘cognitive debt’ in October 2025 while teaching an entrepreneurship startup course.

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