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I think you can go a few systems away and start using settlement maps (bought from the cartographer on Space Stations.) Find a new settlement and claim it, and I think it drops your old one, which then reverts to its original state.
But, it's easy to abandon a settlement. All you have to do is claim a new one. You can only have one settlement, so when you claim a new one the old one is abandoned. As @Frazzled said, all you have to do is get a few settlement charts from a cartographer on any space station, and then use them in the system in which you want to find a new settlement.
You do not actually have to go "a few systems away" like he said, even. Though, I recommend you find a high economy system to use the charts in. You also will want to buy several charts, not just one, as on rare occasions they fail to find a settlement. Plus, that way you can take the time to find a settlement you really want, instead of just claiming the first one a chart points you to.
personally, as an experiment, i'd keep that settlement and see how long it takes to clear out that debt... if you start going to the settlement each day to check on it, you should start getting tasks for building more buildings again...
on building settlements, i always go for as many landing pads as i can... i don't know why... i guess my thoughts were more traders landing would bring more commerce trading for the settlement and thus more income... that doesn't seem to be a thing, though... i have several settlements fully built out... one of them has two trade centers... all have at least four landing pads... once all the buildings were built, it didn't take long for the settlements to turn around and reduce the debt completely...
here's a question or three:
- does the system economy affect the ""type"" of settlement?
- does the planet biome affect the ""type"" of settlement?
- does either of these affect the buildings in the settlement?
"type" is not the proper word but i can't think of the one i'm trying to think of :/
aside: i guess i could find out more from some data mining but i'll ask here instead...
5 markets, 3 landing pads, 1 tower.
5 landing pads, 3 markets, 1 tower
4 landing pads, 4 markets, 1 tower
3 landing pads, 5 markets, 1 tower
2 landing pads, 1 market, 4 towers
and other mixes^
1-5 is the range I've observed. Most settlements get a saloon and/or a residence but not always. Saloon is more common than the residence.
I haven't noticed any building mix that's tied to system or biome stats. That's like noticing differences in what the galactic terminal sells based on location. There might be a connection there under the hood.