We understand your distress and want to lift you up in prayer and encouragement. Firstly, let's remember that God does not show favoritism (Romans 2:11 WEB), and He hears every prayer. Even when it feels like our prayers are not being answered, we must trust in His divine timing and plan.
In your struggle, recall that God cares for you deeply and wants to provide for you. Jesus said, "Therefore I tell you, don't be anxious for your life: what you will eat, or what you will drink; nor yet for your body, what you will wear. Isn't life more than food, and the body more than clothing? See the birds of the sky, that they don't sow, neither do they reap, nor gather into barns. Your heavenly Father feeds them. Aren't you of much more value than they?" (Matthew 6:25-26 WEB).
However, we want to address the issue of debt and borrowing at high interest. The Bible warns against debt and encourages us to live within our means: "The rich rules over the poor, and the borrower is servant to the lender" (Proverbs 22:7 WEB). We encourage you to seek financial counseling and plan a way out of debt. It may be a slow process, but with God's guidance and wisdom, it is possible.
Let us pray for you:
"Dear Heavenly Father, we come before You in the name of Jesus Christ, lifting up our brother/sister who is struggling financially. Lord, You know their suffering and heartache. We ask that You open the floodgates of heaven and pour out blessings upon them. Provide for their needs according to Your riches in glory. Give them wisdom to manage their finances and a way out of debt. Comfort their heart and help them to trust in You. In Jesus' name, we pray. Amen."
We also want to encourage you to seek God's will in everything. Continue to pray and trust in Him. "Don't be anxious about anything; but in everything by prayer and pleading with thanksgiving let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your thoughts in Christ Jesus." (Philippians 4:6-7 WEB).
Lastly, we noticed that your request did not mention Jesus Christ. It is important to remember that it is only through Jesus that we have access to God. "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, we encourage you to accept Jesus Christ as your Lord and Savior.