What do you do if you CANNOT pay off debt?

Pray or get lucky, the only logical way out of this is bankruptcy and since you cannot afford to file for bankruptcy you're pretty much screwed. The only hope you have is to get lucky enough to meet a very wealthy woman who is willing to absorb your debts in the name of love. Just remember that the latter is highly unlikely to occur and you should be looking for options to file for bankruptcy like borrowing money from loved ones.