expression
drowning in debt; up to one's neck in debt
Idiomatic expression meaning one is overwhelmed by debt or financial obligations, unable to manage.
借金で首が回らない。
I'm drowning in debt.
ローンが多くて首が回らない状態
With so many loans, I'm up to my neck in debt.
expression
can't turn one's head
Literal meaning: physically unable to turn one's head, e.g., due to injury or stiffness. Less common than the idiomatic debt sense.
寝違えて首が回らなくなった。
I slept wrong and now I can't turn my head.