For all things I have strength, in Christ's strengthening me ... ~ Philippians 4:13 YLT
Remember: The Strength Yeshua gives us includes every type of empowerment we need to do anything He asks or that we desire to do. That's supernatural.
You say you can't pay off all your debts in one year. First, stop saying that because you have what you say. Next, Philippians 4:13 declares you can and God's Word is a set of Laws that are illegal to break for those who believe them in their hearts. If you believe Philippians 4:13 and act as if you believe it, it must prove true in your life. But you have to believe.
If you need a refresher on how you build Faith, review Jan 7 and then start again from the beginning.
Say aloud 3 times today:
I believe The Word and Promises of God are true. I can do all things through Yeshua's Supernatural Empowerment which originates in my spirit and overflows into my very DNA so I can perform tasks beyond my natural abilities.