Romans 13:8 Owe no man any thing, but to love one another: ...
Think about what you would do if the economy collapsed totally, or a natural disaster knocked out your electricity, or food prices soared.
Of course, we know that God takes care of His people. But the Scriptures do tell us to stay out of debt.
Also, pray and try to put yourself in a position where you can, not only cope with tough times, but also be able to share with needy family and friends.