arXiv:2610.37888v1 Announce Type: new Abstract: Fast-paced AI-assisted software development risks reducing developers' understanding of the systems they build. This growing gap between what the system does and what developers understand about it, described as ``cognitive debt'', is not new, but AI has exacerbated it. This has led to a recent surge in blog posts and online discussions, in which practitioners recognize and write about cognitive debt, and share their experiences well before academic studies can capture them. To understand their concerns and inform future research and practice, we conduct a grey literature review of 76 sources, focusing on how cognitive debt is conceptualized and manifests, its contributing factors, its consequences, and the practices to prevent, detect, and mitigate it. We find that cognitive debt can accumulate unnoticed behind working code and passing tests, particularly when developers accept AI-generated solutions without building understanding. Practitioners report consequences such as harder maintenance and debugging, fragmented knowledge in the team, and reduced productivity. They propose practices such as documenting design rationale, review-sized changes, comprehension gates, and knowledge-sharing rituals, along with signals like reliability metrics to detect it. Our findings give software teams a structured view of emerging practical approaches in AI-assisted development and stress the need to preserve human understanding alongside faster code production.
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