The Prophet ﷺ sought refuge from the burden of debt every day, and taught a dua that he said would pay off a debt as big as a mountain.
اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Allāhummak-finī bi-ḥalālika ʿan ḥarāmik, wa aghninī bi-faḍlika ʿamman siwāk
O Allah, suffice me with what You have made lawful instead of what You have made unlawful, and make me independent of all besides You by Your bounty.
Jami at-Tirmidhi 3563, graded hasan
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ، وَغَلَبَةِ الرِّجَالِ
Allāhumma innī aʿūdhu bika minal-hammi wal-ḥazan, wal-ʿajzi wal-kasal, wal-bukhli wal-jubn, wa ḍalaʿid-dayni wa ghalabatir-rijāl
O Allah, I seek refuge in You from worry and grief, weakness and laziness, miserliness and cowardice, the burden of debt and being overpowered by people.
Sahih al-Bukhari 6369
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Guide
The Prophet ﷺ sought refuge from the burden of debt every day, and taught a dua that he said would pay off a debt as big as a mountain.
Ali ibn Abi Talib said the Prophet ﷺ taught him the first dua for a debt the size of a mountain.1 Pair the dua with a plan to repay, and avoid interest-based borrowing.
Questions
Allahummak-fini bi-halalika an haramik, wa aghnini bi-fadlika amman siwak (Tirmidhi 3563).
Yes. People in debt are one of the eight groups who can receive zakat (Quran 9:60).