In a situation that is too difficult for you.
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In a situation that is too difficult for you.
It comes from swimming: you have gone past where you can stand and the water is over your head.
The phrase points at the situation rather than the person — the same swimmer is fine in shallower water.
"Out of Your League"
—
Facing someone at a higher level than you
"In over Your Head"
—
Involved in something far too difficult to manage
"Out of Your Depth"
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Facing something harder than your current ability