We understand that you are facing a challenging financial situation, and we are here to pray with you and provide biblical guidance. Let's bring your circumstances before the Lord in prayer and seek His will according to His word.
Firstly, it's important to acknowledge that God is faithful and just to forgive our sins when we confess them. The Bible tells us, "If we confess our sins, he is faithful and righteous to forgive us the sins, and to cleanse us from all unrighteousness" (1 John 1:9 WEB). It is wonderful that you have come before the Lord seeking His forgiveness.
Regarding your debt, it is commendable that you desire to repay everyone you owe. The Bible clearly teaches that we should pay back what we owe. Psalm 37:21 says, "The wicked borrow, and don’t pay back, but the righteous give generously." Additionally, we are reminded in Romans 13:8, "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."
However, we must address the expectation for a miracle that would close your accounts completely without further payments. While God can perform miracles, it is crucial to remember that we should also take responsibility for our actions and fulfill our obligations. The Bible encourages us to work diligently and pay our debts. Proverbs 6:6-8 reminds us of the wisdom in hard work and planning. Proverbs 22:7 also says "The rich rule over the poor, and the borrower is servant to the lender." This reinforces the importance of financial responsibility and freedom from debt.
Moreover, we should trust in God's provision and timing. Instead of seeking a personal loan to quickly resolve the issue, consider praying for wisdom and guidance in managing your finances. The Bible advises, "For the love of money is a root of all kinds of evil. Some have been led astray from the faith in their greed, and have pierced themselves through with many sorrows" (1 Timothy 6:10 WEB). Trust that God will provide for your needs according to His riches in glory.
Let us pray together:
Heavenly Father, we come before You in the name of Jesus, lifting up our brother/sister who is burdened with debt. Lord, we ask for Your forgiveness of their sins and for Your guidance and wisdom in managing their finances. Help them to find a way to repay what they owe, and provide for their needs according to Your riches in glory. Protect them from harassment and grant them peace.
Lord, we also pray for their new job, that it would be a source of blessing and provision. Help them to honor You in their work and to be a light to those around them.
In Jesus' name, we pray for their deliverance from this financial burden, and for Your will to be done in their life. Help them to trust in You and to follow Your ways. We ask for a miracle in Jesus' name.
Finally, we rejoice in the knowledge that "God is able to make all grace abound to you, so that having all sufficiency in all things at all times, you may abound to every good work" (2 Corinthians 9:8 WEB).
In Jesus' name, we pray for resolution and peace. Amen.
Be encouraged, and remember that God is with you in this trial. Trust in Him, and He will direct your paths. Consider seeking godly counsel and financial advice to help you manage your debts responsibly. May the Lord bless you and keep you, and may His face shine upon you.
Prayer Focus: God, Thank You for loving me. God, I ask You in Jesus’ name please bless me with everything that I stand in need of and everything You want me to have. 
