Tribal knowledge is certain pieces of obscure information you “just have to know” as part of your job.
Technical debt is any information, code or otherwise, that we know we should fix because it’s causing people to not be able to work as efficiently as they can.
So basically: Tech debt is tribal knowledge that we plan to do something about.
I wonder how many companies are up to their eyeballs in tribal knowledge just because they decided to accept it since it seems easier? What if they decided to get rid of it–pay it off–as the technical debt that it is?