Even if the burden of debt is like a mountain, (if this dua is recited) Allah will forgive the debt:
اَللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Pronunciation
Allaahummak-finee bi 'halaalika ‛an 'haraamika, wa aghninee bi fadlika ‛amman siwaak
Meaning
O Allah, make what is lawful enough for me, as opposed to what is unlawful, and spare me by Your grace of the need for others.
Source: Hasan Gharib. Tirmidhi: 3563
Read the hadith
حَدَّثَنَا عَبْدُ اللَّهِ بْنُ عَبْدِ الرَّحْمَنِ، أَخْبَرَنَا يَحْيَى بْنُ حَسَّانَ، حَدَّثَنَا أَبُو مُعَاوِيَةَ، عَنْ عَبْدِ الرَّحْمَنِ بْنِ إِسْحَاقَ، عَنْ سَيَّارٍ، عَنْ أَبِي وَائِلٍ، عَنْ عَلِيٍّ، رضى الله عنه أَنَّ مُكَاتَبًا، جَاءَهُ فَقَالَ إِنِّي قَدْ عَجَزْتُ عَنْ كِتَابَتِي فَأَعِنِّي . قَالَ أَلاَ أُعَلِّمُكَ كَلِمَاتٍ عَلَّمَنِيهِنَّ رَسُولُ اللَّهِ صلى الله عليه وسلم لَوْ كَانَ عَلَيْكَ مِثْلُ جَبَلِ صِيرٍ دَيْنًا أَدَّاهُ اللَّهُ عَنْكَ قَالَ " قُلِ اللَّهُمَّ اكْفِنِي بِحَلاَلِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ " . قَالَ أَبُو عِيسَى هَذَا حَدِيثٌ حَسَنٌ غَرِيبٌ .
Ali [may Allah be pleased with him] narrated: that a Mukatib came to him and said: “Indeed I am not capable of my Kitabah so aid me.” He said: “Should I not teach you words that the Messenger of Allah (ﷺ) taught me? If you had a debt upon you similar to the mountain of Sir, Allah would fulfill it for you. He said: ‘Say: O Allah, suffice me with Your lawful against Your prohibited, and make me independent of all those besides You (Allāhummakfinī biḥalālika `an ḥarāmika, wa aghninī bi faḍlika `amman siwāka).’” Jami` at-Tirmidhi 3563 [Hasan Garib (Albani). Tirmizi: 3563]
Duas from IslamicAPI's Masnun Dua dataset (based on the Quran, hadith, Hisnul Muslim and Rahe Belayat). See the dataset