I'll tell you in a frank, mundane way.
Pay the debts back bit by bit-- what ever you can handle. Seek support? Start a gofundme page?
Start making extra money on the side doing something small like cutting grass or accepting commissions if you've any services to offer such as drawing or some other thing?
Magical ways can include change of your mindset. You can try energy manipulation to change your outlook on your situation. The faster you realize your situation and become completely aware, you can then start moving onto really solving the problem (since debt seems to be buried in the back of many minds, just saying)
Also spells to see if you can open up doors or persuade some things more into your favor to try and see that the whole process goes by smoothly and timely?
Maybe magic cannot help very directly but it sure can help in a numerous ways that everyone forgets about!