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How Generative and Agentic AI Shift Concern from Technical Debt to Cognitive Debt

sourceSimon Willison
calendar_todayFebruary 15, 2026
schedule2 min read
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EXECUTIVE SUMMARY

Navigating the Shift from Technical to Cognitive Debt in AI Development

Summary

This article discusses the emerging concept of cognitive debt, which highlights the challenges developers face in understanding and managing code produced with the help of generative and agentic AI. It emphasizes how cognitive debt can hinder development more than traditional technical debt.

Key Points

  • Cognitive debt refers to the mental burden developers carry, impacting their ability to understand and modify code.
  • Margaret-Anne Storey provides insights into cognitive debt, illustrating it through a student team's struggles with their project.
  • The team initially attributed their issues to technical debt but discovered that their understanding of the system's design had fragmented.
  • The article emphasizes that as AI-generated code becomes more prevalent, the risk of cognitive debt increases, complicating developers' decision-making processes.
  • The author shares personal experiences with cognitive debt while working on complex projects without a clear mental model.
  • The term cognitive debt is gaining traction in discussions about AI-assisted programming and development practices.

Analysis

Cognitive debt presents a significant challenge for IT professionals, particularly as AI technologies become more integrated into development processes. Understanding this concept is crucial for maintaining effective collaboration and project management in teams that utilize AI tools.

Conclusion

IT professionals should prioritize fostering clear communication and shared understanding within development teams to mitigate cognitive debt. Regular reviews and discussions about design decisions can help maintain a cohesive mental model, enabling more efficient and confident decision-making.