If you do proceed, and pass to the other side, then I'm certain you will have opportunities to clear any debts you have incurred.
I don't believe in "free rides", where our debts are just instantly cleared, but I do believe we are allowed to clear our debts.
It's quite possible that you have already done a lot of debt-clearing simply by having to exist here on the earth and experiencing unhappiness over your past actions.
The important thing is, for each moment, to strive to correct or improve, and even though we may sometimes "fail" in that, provided we are continually trying, then that is all we can ask of ourselves, since we are imperfect beings, striving to improve.
I believe that if you cross over, your life continues, even though your body may not. So the striving to improve will likely continue in the afterlife, and you would likely have opportunities to do that.....