2 dua to pay your debt and become happy

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Recite this Dua if you are in debt:

اللّهُـمَّ اكْفِـني بِحَلالِـكَ عَنْ حَـرامِـك، وَأَغْنِـني بِفَضْـلِكِ عَمَّـنْ سِـواك

Listen the Dua Here:

Transliteration: Allāhummak-finī biḥalālika an haramik, wa’aghnini bifadhlika amman siwaak

Translation: O Allah, suffice me with what You have allowed instead of what You have forbidden, and make me independent of all others besides You.

Dua to pay back your debt:

اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ وَغَلَبَةِ الرِّجَالِ

Listen the Dua here:

Transliteration: Allāhumma innī aūdhu bika mina ‘l-ḥammi wa ‘l-ḥazan, wa ‘l-ajzi wa ‘l-kasal, wa ‘l-bukhli wa ‘l-jubn, wa ḍala`id-dayni wa ghalabatir-rijāl.

Translation: O Allah! I seek refuge with You from worry and grief, from incapacity and laziness, from cowardice and miserliness, from being heavily in debt and from being overpowered by (other) men.

Reference: Hisn al-Muslim 136, 137