Lord teach this person that if you can't pay money you borrow you should never borrow at all. You should get two or three jobs to make ends meet like so many other people do out there. We should never live on borrow money for your word tells us in:
Proverbs 6:6-8
Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.
1 Timothy 5:8
But if anyone does not provide for his relatives and especially for members of his household, he has denied the faith and is worse than an unbeliever.
Second Thessalonians 3:10-12
“For even when we were with you, we would give you this command: If anyone is not willing to work, let him not eat. For we hear that some among you walk in idleness, not busy at work, but busybodies. Now such persons we command and encourage in the Lord Jesus Christ to do their work quietly and to earn their own living.”
Proverbs 10:3-4
The Lord does not let the righteous go hungry, but he thwarts the craving of the wicked. Lazy hands make for poverty, but diligent hands bring wealth.
Proverbs 14:23
In all toil there is profit, but mere talk tends only to poverty.
Lord teach us to get into your word to gain wisdom on how to have a better life and be able to provide for not for our self but for our family too. For us to remember it is better to be a lender than to be the borrower. Help this person to get out of this entanglement they have gotten into by enlightening them as to how to find work to be able to pay back and never again borrow, but to work hard for their needs. For borrowing is a nothing but a trap from the devil himself. I pray in Jesus name amen.