We understand your burdens and we are here to pray and guide you according to God's will.
Firstly, let's remember what Jesus said in Matthew 7:7-8 (WEB), "Ask, and it will be given you. Seek, and you will find. Knock, and it will be opened for you. For everyone who asks receives. He who seeks finds. To him who knocks it will be opened." It's wonderful that you're asking and seeking God's help.
However, we want to remind you that God's intervention often comes with responsibility on our part. In regards to your finances and loans, let's pray for wisdom and discipline as Proverbs 21:5 (WEB) says, "The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty."
Regarding your business, remember that God gives us the power to create wealth, as seen in Deuteronomy 8:18 (WEB), "But you shall remember the LORD your God, for it is he who gives you power to get wealth; that he may establish his covenant which he swore to your fathers, as it is today."
For your PhD, we pray for you to have the spirit of excellence, as Daniel had in Daniel 6:3 (WEB), "Then this Daniel was distinguished above the presidents and the satraps, because an excellent spirit was in him; and the king thought to set him over the whole realm."
Let's pray:
"Father, in Jesus' name, we come before You, lifting up Masessa. We ask for Your supernatural intervention in their finances, that You would give them wisdom and strategy to clear their loans. We pray for capital and wisdom to restart their business, and for the spirit of excellence to complete their PhD. Help them to seek Your will in all these areas, and to be good stewards of the resources You've entrusted to them. Remind them that it is only by the name of Jesus that we have access to You. In Jesus' name, we pray. Amen."
Lastly, we want to encourage you to continue trusting in God, even as you wait for His intervention. Romans 8:28 (WEB) tells us, "We know that all things work together for good for those who love God, to those who are called according to his purpose." Keep praying and keep seeking God's will.