It is surprising how many people working in education do not understand this. We have clear understanding on technical debt or cycles of poverty but absolutely no understanding of how learning debt evolves among students. It is so evident that couple of months into any academic session you can already see class performance on any test to be pretty similar to what it is going to be at the end of the year. Even if you know 9 months ago in an academic session that 90% of the students are lagging, you can't/don't do much about it. And the fun part is that all the debt is assumed to vanish when you start a new session. Nobody acknowledges that the kid has been collecting debt for a decade now.
Some friend from college and I developed Filo(askfilo.com), mainly for K12. We connect students to live tutors in realtime into an online class. It doesn't sound very sexy in the AI/LLM world by we are pretty proud of the range of students we have been able to help. Still lot of work to do on it though.