have you seen a debt counsellor?
Often a debt counsellor can mediate between the parties and achieve satisfying compromises for both parties.
In all probability the ones you owe money to, banks, etc, will agree to giving up a part of the money voluntarily, if a professional steps in and renegotiates the conditons of a realistic and reasonable compensation that they would have never agreed to if they were dealing with a 'normal mortal'.
That would be a first step, and then you will see with how much debt you are left, and for how long.
I have never heard before that people have to pay until they die.
Compromises and other conditions are always possible.
In one case, that I personally know, a bank wanted to take the house from a woman, because she could not pay the debts off. (Not me)
The whole thing ended up before a judge, and he decided the bank has to offer new conditions, which allowed her to pay her debts off.
Please get help.
After a solution is worked out here, you can reconsider ordaining.