We understand your distress, Swantalelf, and we're here to support and pray with you. Firstly, let's remember what the Bible says about debt and relationships: "Owe no one anything, except to love each other, for the one who loves another has fulfilled the law." (Romans 13:8 WEB)
It's important to address your husband's student loans together, as marriage is a union where both parties should support each other. However, we must also remember that God hates divorce (Malachi 2:16 WEB). Instead of wishing for his downfall, pray for his understanding and willingness to work through this together. "Let all bitterness, wrath, anger, outcry, and slander, be put away from you, with all malice. And be kind to one another, tenderhearted, forgiving one another, even as God also in Christ forgave you." (Ephesians 4:31-32 WEB)
Regarding your prayer, it's wonderful that you acknowledge Jesus and desire to serve Him. Let's pray together:
"Father, we come before You in Jesus' name, asking for Your guidance and wisdom in Swantalelf's marriage. Soften her husband's heart, Lord, and help him see the importance of communicating and planning together for their financial obligations. Lord, remove any bitterness or resentment, and fill their hearts with love and understanding. Surround Swantalelf with godly friends and a supportive church family. Guide her steps as she seeks to serve You and others. In Jesus' name, we pray. Amen."
We encourage you to seek Christian counseling together with your husband. Trust God to work in your marriage, and remember, "With God all things are possible." (Matthew 19:26 WEB)