Yeah, the rules for active programs vs program slots are either a mistake, or meant to count double. Like @CigarSmoker points out, under RAW you need to have both enough Data Processing and enough Program Slots.
OK, so with Errata changing In Debt to a flat 500 nuyen per rank in interest, this character would need to spend 2500 nuyen per month just to pay off the interest; that is a lot of scratch. Additionally, Skill Points were spent on rank 1 skills, which is just plain inefficient. So, I've changed some stuff around.
Changes in v4:
Getting rid of In Debt:
Removed In Debt (+5 karma, -25k nuyen, 5/6 qualities used)
Removed Damage Compensator R6 (+0.6 Essence, +12k nuyen)
Removed Hyundai Shin-hyung (+20k nuyen)
Added Chrysler-Nissan Jackrabbit (-11k nuyen, and functionally identical; same seats and handling, better pilot, body, and armor, worse accel and speed interval)
Spent 2 Karma on resources (+4000 nuyen; balance now 515 nuyen)
Optimizing skills:
Added Exceptional Attribute (Intuition) quality (-12 Karma, 6/6 qualities used, -9 Karma balance)
Reduced Reaction by 1 (+1 Attribute Point)
Increased Intuition by 1 (-1 Attribute Point)
Removed Athletics, Close Combat, Firearms, Outdoors, and Stealth specializations (+25 Karma)
Purchased Athletics, Close Combat, and Stealth 1 with karma (-15 Karma)
Removed Skill Points spent on Athletics, Close Combat, and Stealth (+5 Skill Points)
Purchased Outdoors 2, and increased Firearms to 5 and Piloting to 3 with Skill Points (-5 Skill Points)
Spent 1 additional karma on resources; may or may not alter starting equipment.
Result: minor variances in dice pools, Karma efficiency increased dramatically, rules legal as far as I can tell.