How to say i could not afford to pay back my debt. in Japanese

1)私(watashi) (pn,adj-no) i/meにはには(niha) (prt) for/in order to、(、) Japanese comma借金借金(shakkin) (n,vs) debt/loan/liabilitiesを(wo) (prt) indicates direct object of action/indicates subject of causative expression/indicates an area traversed/indicates time over which action takes place/indicates point of departure or separation of action/indicates object of desire, like, hate,返す返す(kaesu) (v5s,vt) to return/to restore/to put back/to turn over/to turn upside down/to overturn/to pay back/to retaliate/to reciprocate/ to repeat .../to do ... back余裕余裕(yoyuu) (n) surplus/composure/margin/room/time/allowance/flexibility/scope/ropeが(ga) (prt) indicates sentence subject/indicates possessive/but/however/still/andなかったなかった(nakatta) (v) didn't have。(。) Japanese period "."    
watashi niha 、 shakkin wo kaesu yoyuu ganakatta 。
Grammer form日常会話 (Casual form)Casual form (nichijoukaiwa)
everyday casual language, commonly used between friends and family.
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Other sentences with translations
and at times when i became discouraged with trying to reconcile working and bringing up children, it was my husband who helped to maintain my determination.

i blew on my hands to warm them.

the man swimming in the river is my friend.

thank you.

we received a cordial welcome from them.

the girl lifted her face still wet with tears.

my heart ached for the dying birds.

kyoto area festival held on the 11th lunar month

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