To put things into perspective there, service aboard a warship as an enlisted crewperson or as a marine is a highly sought after, elite profession with hundreds or even thousands of applicants to each vacancy. The Imperial Navy has only about twice as many warships as planets.
People apply aged fifteen then out of the select few, over half fail to pass all of the tests to graduate at eighteen after two years of intensive training, followed by six months of surgery and recovery for military grade implants. Starship crew are then paid rather well and after ten years of service have all of their debts absolved (Something that might take say, a frugal doctor, 20+ years). After twenty years of service you get a pension and non commissioned officers get significant improvements to the standard of living for their entire family.
Imperial Marines are culled out of the highest achieving members of the Imperial Army after at least three years service then put through another year of high intensity training before being assigned to a ship. They are very much special forces because military starships have limited carrying capacity and are horribly expensive.
The fact that 'average' members of the dissolute, corrupt and nepotistic nobility still generally overshadow commoners in the navy (not just because they are super tall) is a testament to just how good the genetic engineering of nobles is.
But Imperial ship crews are by any reasonable standard an elite and being told they need to serve another 10 years to get debt absolution is probably not going to go down well once it is announced.
@Snowfire Once this 'goes live' there will absolutely be the option to pay to offset the issue for your crews. It would probably be a case of 20% increased ship maintenance or something - serf debts are inherited with high interest rates and in some instances grow preposterously large but are not even in the one percent of a Wealth point range normally.
Edit: For anyone wondering how pirates even sometimes match this - it is because pirates can potentially make a lot of money indeed.
A lot of the pirate raider crews you have encountered have been heavy on lightly transhuman mercenaries with outrageous degrees of cybernetic augmentation
or are rogue military veterans. This was not the case when it came to the idiots with the converted freighters that one of your corvettes murdered last session though.