“in the hole”と“in debt”は借金をしていて、お金がない状態を意味します。“broke”や“skint”はお金が全くない状態のことです。“in the hole”、“broke”、“skint”は砕けた表現、“in debt”はよりフォーマルな表現です。（Tamara先生）

原文：When you are “in the hole”?or “in debt”, that means you owe a lot of money to others and you have very little for yourself. Similary, when you are "broke" or "skint" that means you don't have money at all. “In the hole”, “broke”,?and “skint”?are informal, whereas “in debt”?is used in a slightly more formal conversation.

“I'm bankrupt”の基本的な意味は「お金がなくて請求書や生活費が支払えない」ですが、ただ単に「お金がない」という意味でも使われます。“I'm penniless”は演劇っぽい大げさな言い方で、「1セントも持っていない（そのくらいお金がない）」という意味です。“I'm low on funds”はニュートラルな（無難な）言い方。全てのフレーズがカジュアルな場で使われる表現です。（Steffi先生）

原文：“I'm bankrupt”?means that one doesn't have money to pay for bills and expenses but some people also use it to say they just don't have money at the moment. “I'm penniless”?is a dramatic way to say that one doesn't even have a penny, and “I'm low on funds”?is a very neutral way to say that one doesn't have much money. All three are informal.

“I'm in the red”は借金を抱えている印象を与えますが、ただ単にお金がないという意味でも使われます。（Melissa先生）

原文：“I'm in the red”?gives the image of perhaps being in debt. While the others just give the image that the person has no money.

“in the hole”や“in debt”は他人に多額の借金をしていて、お金があまりないという意味です。“skint”はお金が全くないという意味です。“in a pickle”は苦境に立たされているという意味です。“penniless”と“skint”はカジュアルな言い方で、“in debt”はどちらかといえばフォーマルな言い方です。（Tracy先生）

原文：When you are “in the hole”?or “in debt”, that means you owe a lot of money to others and you have very little for yourself. When you are “skint”?that means you don't have money at all. “In a pickle”?means in a difficult position. “penniless”?and “skint”?are informal, whereas “in debt”?is used in a slightly more formal conversation.