You can pay off people's debt with zakat

repo

Bantu Liberation Movement
VIP
Zakah expenditures are only for the poor and for the needy and for those employed to collect [zakah] and for bringing hearts together [for Islam] and for freeing captives [or slaves] and for those in debt and for the cause of Allah and for the [stranded] traveler - an obligation [imposed] by Allah . And Allah is Knowing and Wise.

Surat Al-Tawbah, 9:60
 
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