Wa alaykum assalam warahmatullah

 

In the Name of Allah, the All-Merciful, the Mercy-giving

 

All praise is due to Allah. Peace and blessings be upon Prophet Muhammad.

 

First, I would advise you first to approach your husband gently and try to settle your problems and arrange your family expenses; particularly if he is a good man.

 

You may seek the help of his parents or any good relative or friend to talk to him and warn him against his overspending. Both of you are still young and this may drive you to take hasty decisions that you may regret later.

 

Second, if you reach the conclusion that you cannot continue your marital life with him, then you may ask for khul`. According to the information you provided, your husband owes you the mahr (dowry) as well as the money he borrowed from you. In this case, the khul` agreement can be concluded in return for absolving him of this debt. In other words, you will remit the debt in return for khul`.

 

May Allah set you affairs aright and help you overcome your troubles.

 

Almighty Allah knows best.