Mark Reveley

Margaret-Anne Storey

Cognitive debt, a term gaining traction recently, instead communicates the notion that the debt compounded from going fast lives in the brains of the developers and affects their lived experiences and abilities to “go fast” or to make changes. Even if AI agents produce code that could be easy to understand, the humans involved may have simply lost the plot and may not understand what the program is supposed to do, how their intentions were implemented, or how to possibly change it.

How Generative and Agentic AI Shift Concern from Technical Debt to Cognitive Debt · Margaret-Anne Storey · 9 February 2026