U have realized ur mistake and are repenting. God is very forgiving. If u ask for forgiveness with a true heart He forgives u. Now tht u are in debt, assure ur lenders that u'l pay up the amt and start working towards it. Save more and also ask for forgiveness from those people whom u have hurt.
Think positive and believe in God and urself that u'l be able to pay up ur debts.
Have complete faith in God and u'l be out of this crisis.
Realizing ur error and accepting it is a great thing. Its commendable that u are repenting for ur deeds.
Also help someone in need, this will definitely make u feel better.