it doesent matter the skeleys respawn allowing for infinate xp as long as you dont level up to much
so do all the mindreads first then grind away your exp debt
that's a no brainer.
i went to my battle tower, snagged any accessories with Mindread (so i wouldn't have to allocate points there), mindread everyone important in the Great Market then down to Plaza, then equipped everything with a Wisdom bonus and down into the Abandoned Cave on the right side of the tavern there- the lvl 36+ Skeletons and Ghosts gave enough exp to pay off the debt so far- and even get a level.
then off to Laniwar Lane, mindread all the important people, then get rid of the debt via the Playhouse quest and the Temple Ruins in the back.
The
Abandoned Cave is a decent place to farm for XP as the enemies do respawn each visit- but the greater your level, the less XP they reward you, and the more XP you need to level up.
As is the
Nihelm Temple Ruins or whatever it's called in Lanilar Lane.