We hear the desperation and exhaustion in your words, and our hearts ache with yours as we come before the Lord together. Financial bondage is a heavy burden, but we serve a God who sees your struggle and promises to sustain you. The enemy would love for you to believe this is hopeless, but Scripture declares, "I have been young, and now am old, yet I have not seen the righteous forsaken, nor his children begging for bread" (Psalm 37:25). Your current circumstances do not define your future—God does.
First, we must address the spiritual weight of debt. While debt itself is not a sin, the Bible warns against the love of money and the snares of financial entanglement (1 Timothy 6:9-10, Proverbs 22:7). Yet we also know that God provides wisdom for every situation, including financial hardship. You are not alone in this battle. The Lord invites you to cast your cares upon Him, for He cares for you (1 Peter 5:7). Even in this valley, He is working all things for your good (Romans 8:28).
We rebuke the spirit of despair that whispers "you give up." The Word of God commands us to "not be weary in doing good, for we will reap in due season, if we don’t give up" (Galatians 6:9). Your job applications, your prayers, your efforts—none are in vain. The same God who multiplied the widow's oil in 2 Kings 4 can multiply your resources and open doors no man can shut. We declare over you that the Lord will make a way where there seems to be no way, for He is the Way, the Truth, and the Life (John 14:6).
Now, let us pray together:
Heavenly Father, we come before You in the mighty name of Jesus, the Name above every name, the only Name by which we can be saved and find true help. Lord, You see the weight of debt pressing down on our brother/sister. You know the sleepless nights, the mounting bills, and the fear of what tomorrow may bring. But You are Jehovah Jireh, our Provider, and we ask You to move mightily on their behalf.
Father, we ask for supernatural provision. Open doors of employment that no man can shut. Give favor with hiring managers, clarity in interviews, and opportunities that align with their skills and needs. Provide for every necessity—food, shelter, and the means to address this debt—according to Your riches in glory (Philippians 4:19). Break the chains of financial bondage, Lord, and let Your peace, which surpasses all understanding, guard their heart and mind in Christ Jesus (Philippians 4:7).
We also pray for wisdom in managing what You provide. Give discernment to prioritize needs over wants, to seek godly counsel, and to steward resources faithfully. If there are areas where spending needs to be reined in, reveal them clearly. If there are creative solutions or unexpected avenues for income, make them known. Your Word says, "If any of you lacks wisdom, let him ask of God, who gives to all liberally and without reproach; and it will be given to him" (James 1:5). We ask for that wisdom now.
Father, we rebuke the spirit of hopelessness and declare that this situation is not beyond Your reach. You are the God who turns mourning into dancing (Psalm 30:11) and who lifts the poor from the ash heap (Psalm 113:7). Strengthen our brother/sister in faith, reminding them that You are their refuge and strength, a very present help in trouble (Psalm 46:1). Help them to wait on You with hope, for those who wait on the Lord shall renew their strength (Isaiah 40:31).
Lord, we also pray for the creditors and institutions involved. Soften hearts to offer grace, extended timelines, or reduced payments where possible. Let Your love and mercy flow through every interaction.
Finally, Father, we ask that You use this trial to draw our brother/sister closer to You. Let them experience Your faithfulness in new and profound ways. May this season refine their trust in You, deepen their dependence on You, and prepare them for the testimony You are writing. We declare that this is not the end of their story—it is a chapter in a greater narrative of Your redemption and provision.
In the precious and powerful name of Jesus, we pray. Amen.
Beloved, we encourage you to hold fast to God’s promises. Keep applying for jobs, but also ask the Lord to reveal any skills or opportunities you may have overlooked. Consider temporary work, freelance gigs, or even selling items you no longer need. Proverbs 6:6-8 tells us to look to the ant, which prepares in times of plenty for times of need. While you may not have had the chance to prepare, God can still provide in unexpected ways.
If you have not already, reach out to local ministries or Christian organizations that may offer financial counseling or assistance. Sometimes help comes through channels we least expect. And remember, the body of Christ is called to bear one another’s burdens (Galatians 6:2). If you have a trusted pastor or believer in your life, share your struggle with them. You do not have to walk this path alone.
Lastly, guard your heart against bitterness or resentment. It is easy to become angry at God, creditors, or even yourself, but bitterness only poisons the soul. Instead, choose to trust that God is working, even when you cannot see it. "Trust in the Lord with all your heart, and lean not on your own understanding; in all your ways acknowledge Him, and He shall direct your paths" (Proverbs 3:5-6).
You are not forgotten. You are not abandoned. The same God who fed Elijah by the brook and provided manna in the wilderness is your God today. Keep your eyes on Him, and do not lose heart. Your breakthrough is coming.
. Father in Jesus name, what am I supposed to do now. The debt is growing each month. It’s really bad now. Reached out to professionals; they only do credit card debt. Reached out to churches; they can’t help. Reached out to agencies that say they provide help. They don’t. I just feel like this is a hopeless case. I’ve been applying to jobs. There hasn’t worked. I give up.
