Both "encumber" and "overburden" refer to being weighed down or hindered by a load or responsibility.
The word "encumber" often implies hindrance or obstruction, not always related to a physical weight, and it is more likely to describe legal or financial burdens, as well as general impediments. "Overburden" specifically suggests being weighed down by too much weight or responsibility, usually with a connotation of excess.
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