The Hanafi school permit the payment of Zakat to any person whose liabilities exceed his Zakatable and surplus assets. Such a person is in debt. Other schools of Islamic law consider the eligibility based on the Kifayah criteria where a person would need to prove that they have entered into a financial agreement which they cannot fulfil and has indebted them, burdening them in such a way (thoroughly monthly repayments/charges) that they are unable to finance their most basic needs