Dear God,

I come to You today seeking Your help and guidance during this difficult time.

Lord, I am struggling with financial hardships due to mistakes I’ve made. I fell behind on my car loan payments after moving mid-month and having to pay double rent. I was counting on getting my deposit back, but my former roommate didn’t move out, leaving me unable to recover those funds.

I tried reaching out to the financing company handling my car loan, hoping they would be willing to work with me and offer a solution. I truly intend to pay what I owe, but these unexpected expenses have put me in a difficult position.

Losing my car would be heartbreaking, especially after all the hard work I put in to earn it. Please, Lord, soften the hearts of the people I speak with and help them understand my situation. I pray they will be compassionate and willing to work out a solution.

I also tried to apply for a loan through school to help cover my overdue payments, but it was denied because I exceeded the unit limit. That was my backup plan, and without it, I feel even more overwhelmed.

Though I was able to withdraw part of my 401(k), it’s not enough to cover the full amount they’re now demanding. I’m doing everything I can—working hard, attending school, and even volunteering to assist instructors in class—but it feels like I’m running out of options.

I regret not answering the calls from the collectors out of fear. If I had known then what I know now, I would have faced the situation instead of avoiding it.

Please, God, I am begging You for Your help. Guide me through this struggle. Give me the strength, wisdom, and courage to make things right.

I trust in You, Lord. Please light the path before me.

Amen.