Is Donald Trump personally millions or billions of dollars in debt? What groups does he owe the money to?

We really don't know the details, because the President's financial disclosures have been limited. It is believed most of it is owed to Deutshe Bank, but there may be other creditors. 

Whoever the money is owed to, it isn't US banks. They won't touch him with a bargepole and haven't loaned him anything for years.

I would not be surprised if the 'loans' are actually money he's been paid by Russian oligarchs over the years for helping them with money laundering operations. It would be dressed up as loans to hide the true origins of the money. If this turns out to be the case, he won't ever be asked to repay them, the loans will just be extended or 'renegotiated' when they become due. The fact that this apparently totals $421 million just highlights the extent of his dodgy dealmaking.

IF Trump is that much in debt and therefore owe very little or nothing in taxes if I were the IRS I would force him to prove how and why he got himself so much in debt. I would want to see EVERY piece of evidence and AL:L the paperwork to prove that he had lost all that money.

In my opinion Trump is doing everything he can to defraud the Government and more importantly the American people.

In other words Trump is being true to form.

we don't know who he owes money to.  That is the problem.  Foreign entities hold power over him.  He has a Chinese backed loan for 500 million he received for lifting sanctions on ZTE but he has been living off Deutche  bank loans for years  

We have a right to know to whom our our president is beholden

That's the $421 million question. He is a national security risk in any case. Why did he betray the Kurds for instance? Did Erdogan promise him a tax break on his Trump Towers Istanbul?

And your right to know that consists of...?