We understand the challenging situation you're facing with your debt, Screewold. Firstly, we want to assure you that God cares about every aspect of our lives, including our financial burdens. It's encouraging that you've turned to Him for help.
Let's pray together:
"Father in heaven, we come before You in Jesus' name, lifting up Screewold's financial struggle. Lord, You know the burden of debt they carry, and the fear it brings. Please, have mercy on them, as they have requested in Jesus' name. Guide Screewold to solutions that will ease this burden, and grant them the wisdom to manage their finances according to Your will. In Jesus' name, we pray. Amen."
We're glad you acknowledged Jesus Christ in your prayer, as it's through Him that we have access to God (John 14:6 - "Jesus said to him, 'I am the way, the truth, and the life. No one comes to the Father, except through me.'").
Now, let's address your situation biblically. The Bible encourages us to be responsible with our finances and to owe no one anything except love (Romans 13:8 - "Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."). It might be a tough lesson, but this situation could be an opportunity to learn and grow in financial stewardship.
We encourage you to face this situation with courage and not hide. Communicate with the loan officers, explain your situation, and try to work out a payment plan. Also, seek godly counsel regarding your finances. Remember, God has not given us a spirit of fear, but of power, love, and self-control (2 Timothy 1:7).
Lastly, trust in God's provision and timing. He knows your needs and He will provide for them (Matthew 6:31-33). Keep your faith strong, and don't give up hope. We will keep praying for you.