Crossword Genius

Too tired-looking and in debt (9)

Ross

I believe the answer is:

overdrawn

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'too tired-looking and in debt' is the definition.
I can't judge whether this defines the answer.

'tired-looking and in debt' is the wordplay.
'tired-looking' becomes 'drawn' (I've seen this in another clue).
'and' is a charade indicator (letters next to each other).
'in debt' becomes 'over' (I can't justify this - if you can you should believe this answer much more).
'drawn' put after 'over' is 'OVERDRAWN'.

Can you help me to learn more?

(Other definitions for overdrawn that I've seen before include "account discredited" , "got into debt" , "venturing into red" , "Using too much crayon" , "Cartoonishly exaggerated" .)

I've seen this clue in the Evening Standard.
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