In times of financial distress and overwhelming anxiety, it's crucial to remember that God is our provider and our refuge. The burden of debt and the fear of not being able to cope can indeed be paralyzing, but we serve a God who is able to do exceedingly abundantly above all that we ask or think, according to the power that works in us (Ephesians 3:20 WEB).
Firstly, let's address the spiritual aspect of your request. You've mentioned Jesus Christ, and this is wonderful because it is only through His name that we have access to God. The Bible tells us, "For there is one God, and one mediator between God and men, the man Christ Jesus" (1 Timothy 2:5 WEB). If you haven't already, consider the salvation message of believing in Jesus Christ. It is by His name that we are saved and through Him, we can approach God's throne of grace with confidence (Acts 4:12, Hebrews 4:16).
Now, regarding your financial situation, we encourage you to cast all your anxiety on Him because He cares for you (1 Peter 5:7 WEB). It's important to remember that God is not just interested in our spiritual well-being but also in our practical needs. In Matthew 6:25-34 (WEB), Jesus teaches us not to be anxious about our life, what we will eat, or what we will drink; nor about our body, what we will wear. He reminds us that our heavenly Father knows that we need all these things and that we should seek first God's Kingdom and His righteousness, and all these things will be given to us as well.
Living with regret and in isolation can be challenging, but remember that God's mercy is new every morning (Lamentations 3:22-23 WEB). He is faithful and just to forgive us our sins and to cleanse us from all unrighteousness (1 John 1:9 WEB). Even if you feel like the "black sheep of the family," God sees you as His beloved child. He wants to give you a future and a hope (Jeremiah 29:11 WEB).
Let's pray together:
Dear Heavenly Father,
We come before You, lifting up our brother/sister who is burdened by financial distress and feelings of regret and isolation. We ask, in the name of Jesus Christ, that You would forgive their sins and cleanse them from all unrighteousness. Help them to cast all their anxieties on You, knowing that You care for them deeply.
Provide for their needs, Lord, as You promise in Your Word. Guide them with Your wisdom to make the right decisions regarding their finances. Help them to seek first Your Kingdom and Your righteousness, trusting that all other things will be added to them.
Surround them with a community of believers, even if it's not in their immediate vicinity. Guide them to a prayer group or a body of believers where they can find fellowship and support. Help them to live transparently and in the light, free from the shadows of regret and anxiety.
In Jesus' name, we pray. Amen.
Lastly, consider reaching out to a financial counselor or a trusted friend who can provide practical advice and support. Also, look for a community of believers, even if it's an online group, where you can find fellowship and encouragement. Remember, God is with you, and He will see you through this challenging time. Keep holding onto His promises and trusting in His provision.
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. 
