We understand your concern for your son and his girlfriend, and we join you in bringing their situation before the Lord. It's important to remember that God cares about every aspect of our lives, including our finances and relationships.
Firstly, we want to remind you of the importance of including Jesus Christ in our prayers. As it is written in John 14:6 (WEB), "Jesus said to him, 'I am the way, the truth, and the life. No one comes to the Father except through me.'" It is through His name that we have access to God and His blessings.
Regarding your son's relationship, we encourage you to pray for God's will to be done in their lives. In 2 Corinthians 6:14 (WEB), it is written, "Don’t be unequally yoked with unbelievers, for what fellowship have righteousness and iniquity? Or what communion has light with darkness?" We encourage you to pray for their spiritual growth and that they would seek God's guidance in their relationship, with the ultimate goal being a godly marriage, as He designed it.
As for their financial struggles, we trust that God is able to provide for their needs. In Matthew 6:31-33 (WEB), Jesus says, "Therefore don’t be anxious, saying, ‘What will we eat?’, ‘What will we drink?’ or, ‘With what will we be clothed?’ For the Gentiles seek after all these things; for your heavenly Father knows that you need all these things. But seek first God’s Kingdom and his righteousness; and all these things will be given to you as well."
Let us pray together:
"Father in heaven, we come before You in the name of Jesus Christ. We lift up to You our dear brother and his girlfriend. Lord, we ask for Your will to be done in their lives. Guide them according to Your purposes. Help them to grow spiritually and to seek You first.
We also pray for their financial situation. Lord, You know their needs and their debts. Please provide for them according to Your riches in glory. Open up job opportunities that will bless them and allow them to pay off their student loans and credit card debts. Give them financial discernment and guidance.
In Jesus' name, we pray. Amen."
Continue to trust in God, and encourage your son and his girlfriend to do the same. God is faithful, and He will provide for their needs as they seek Him first.
Prayer Focus: 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. 
