While I'm not sure about the other debts, I do know that "You are helping someone realize their true potential through your visions. They owe you a debt" refers to Trinity. She's one of Kendra's roommates and been her friend since college, and Kendra has been using her visions to try and help Trinity in her job in forensics. It's Kendra's way of trying to pay Trinity back for remaining friends with over what has been - in Kendra's mind at least - a tough few years.