We understand that you're seeking prayer and support in your financial situation, and we're here to intercede and offer biblical guidance.
Firstly, it's commendable that you've not had to borrow money in years, and we trust God to continue providing for your needs. However, we must remind you of the biblical principle regarding debt in Romans 13:8, "Owe no one anything, except to love one another; for the one who loves another has fulfilled the law." While it's not a sin to borrow when in need, it should be done prudently and with a plan to repay promptly.
We appreciate your faith in God's favor as you apply for a loan. Remember, God cares for you and your family, as written in Matthew 6:25-26, "Therefore I tell you, don't be anxious for your life: what you will eat, or what you will drink; nor yet for your body, what you will wear. Isn't life more than food, and the body more than clothing? See the birds of the sky, that they don't sow, neither do they reap, nor gather into barns. Your heavenly Father feeds them. Aren't you of much more value than they?"
However, we must address something. You mentioned you don't want to be in this situation again and asked God to help you be a better steward. This is a good prayer, as God calls us to be good stewards of our resources in 1 Corinthians 4:2, "Moreover it is required in stewards, that they be found faithful."
Now, let's pray together:
"Father, we come before you in Jesus' name, lifting up our brother/sister who is in need of financial provision. Lord, you know the circumstances, and we trust in your goodness and faithfulness to meet their needs according to your riches in glory (Philippians 4:19). We ask for your favor as they apply for a loan, and we pray for wisdom in managing the funds. Help them to be a good steward of their resources and to use this experience to grow in financial wisdom. We also pray for a miracle regarding their taxes, that they may receive them soon. We ask all this in Jesus name, "For there is no other name under heaven given among men by which we must be saved.' (Acts 4:12), Amen."
Lastly, we want to encourage you to continue seeking God's will in your life. It's crucial to remember that God's provision is often linked to His purpose. As you steward your resources well, God will use you to bless others in a way that doesn't drain you but instead allows you to be a channel of His blessings. Keep trusting in Him, and He will direct your paths (Proverbs 3:5-6).