Dua for debt
اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Allahumma-kfini bi-halalika 'an haramik, wa aghnini bi-fadlika 'amman siwak.
"O Allah, make what is lawful sufficient for me in place of what is unlawful, and enrich me with Your favour in place of all else."
Narrated by 'Ali ibn Abi Talib. Jami' at-Tirmidhi 3563 (hasan)
A short reflection
A surgical dua. Two asks. Sufficiency through halal, independence through Him alone. Memorize and repeat.