We join you in prayer, ###, seeking God's will for your life. We appreciate your humility and trust in Jesus, as you have acknowledged Him and asked for His forgiveness. It is only through the name of Jesus that we can approach God the Father, and it is by His Son that our sins are forgiven.
Firstly, let us address the spiritual aspect of your prayer request. It is wonderful that you have asked Jesus for forgiveness. To be fully assured of this forgiveness, it is essential to truly believe in Jesus Christ.
The jailer asked Paul and Silas "Sirs, what must I do to be saved?" They said, "Believe in the Lord Jesus Christ, and you will be saved, you and your household."
The Bible says that everyone has sinned and falls short of the glory of God. It is by grace that you have been saved through faith, not of yourselves; it is the gift of God, not of works, that no one would boast.
Regarding your debt, God wants us to be responsible with our finances and to avoid being burdened by debt. It is important to learn from past mistakes and seek God's wisdom in managing your money. The Bible tells us in Romans:
"Owe no one anything, except to love one another; for he who loves his neighbor has fulfilled the law."
Let us pray together:
Dear Heavenly Father,
We come before You, lifting up ### and their financial struggles. Lord, we ask for Your forgiveness for any past mistakes and seek Your wisdom in managing the debt. Please open doors for a job opportunity, even in a challenging economy, so that ### can provide for their needs and pay off their debts.
Guide them, Lord, as they desire to go back to school, and help them find a way to make it possible despite their credit situation. Remind them that Your ways are higher than our ways, and Your thoughts higher than our thoughts. We trust in Your promise that all things work together for good to those who love You and are called according to Your purpose.
Help ### grow in financial wisdom and responsibility. We come against any generational curses, spirits of poverty, lack, or debt. Keep ### safe, healthy, and strong. We join our faith with theirs and declare that no weapon formed against them shall prosper.
Father, we also pray for ###'s heart, that they will continue to trust in You.
Help them to see that You are the same God that gave Job a fresh new start. We ask that You also do the same for them or better. Help them to be patient and wait on You and Your plan.
In Jesus' name, we pray. Amen.
As you wait for God's provision, consider seeking advice from financial counselors who can help you manage your debt and improve your credit score. Also, stay faithful in tithing and giving, as God promises to bless us when we honor Him with our finances.
Lastly, remain hopeful. Trust in the Lord with all your heart, and do not lean on your own understanding. In all your ways acknowledge Him, and He will make your paths straight.
You are not alone in this journey. God, us, and many other believers are with you.
Prayer Focus: God, Thank You. Thank You. Thank You. God Thank You for loving me. Thank You for loving me, Jesus. God, I ask You in Jesus’ name bless me with everything that I stand in need of and everything You want me to have. Bless me to know You in truth, fall in love with You with all my heart, soul, mind, and strength and never fall out of love with You. Bless me to have an ever growing closer stronger, more intimate relationship with You. Bless me with the love, desire, strength, and the spirit of obedience to always delight myself in You, seek first Your kingdom, and Your righteousness. Help and strengthen me God to always respect and obey You. Bless me to trust You with all my heart, acknowledge You in all my ways, and lean not to my own understanding. 
