Living debt and the third generation of causal debt are both Buddhist concepts, and both refer to debts arising from crimes committed by people in their previous lives or this life. Their differences are as follows:

1. The concept is different: Debt refers to the crimes committed in the past or now, and the sufferings and hardships suffered in this life, also called "karma". The third generation of causal debt refers to the debt caused by crimes committed in past lives, present lives and afterlife, covering a wider range of time.

2. Different influences: Debt mainly refers to the sufferings and tribulations suffered in this life, including physical illness, poverty, frustration, and psychological pain and suffering. The third generation of causal debt refers to all kinds of difficulties and dilemmas faced by this life, the next life and even future generations, including financial problems, family conflicts, health diseases and so on.

3. Different ways to change: Debt can be changed by doing good deeds, accumulating virtue, repenting and atoning, thus alleviating or eliminating the sufferings and tribulations in this life. The third generation of causal debt needs many generations to practice and accumulate virtue in order to gradually reduce or eliminate the debt.

To sum up, the debt of birth and the debt of three generations of cause and effect are both concepts in Buddhism, which are related to human sin and suffering. The difference is that creditors refer to the sufferings and tribulations suffered in this life, which can be changed by doing good deeds, accumulating virtue, repenting and atoning; The third generation of causal debt refers to all kinds of difficulties and dilemmas faced by this life, the afterlife and even future generations, which can be gradually alleviated or eliminated through the practice and accumulation of merits and demerits of many generations.