When you go through a financial crisis like suffering from huge debt, stop trying to use your human mind to get out of this situation. In the place of prayer, you can trust God enough to provide the solution. Say these prayers with me.
Lord, I ask for your help at this point in my life. I am stuck in debt, which needs to be cleared. Let your grace make a way for me even in the least expected places. I pray that my creditors favor me, and extend the repayment period of my debt. Give me the wisdom on how to pay these debts, Lord. You are my only source, and there is no one else I look up to. Thank you for my financial worries will be over soon. Amen.