Making an effort to repay the loan

Q: I have taken some money from a friend from Australia. While taking the money, I planned to work abroad so that I can earn big amounts and pay back the money. I want to ask that now I am not in a condition to return the money. Is that a sin for me? What should I do? The person hasn't asked me for the money, and knows that I am not in a financial condition to return the money.

Glad tidings in the mubaarak Ahaadith for a lady who had a miscarriage

Q:

1. I had a missed miscarriage at 8 and half weeks of pregnancy. I conceived at a late stage as I was blessed with nikaah much later in my life. I am much devastated with the miscarriage.

My question is, will the miscarried foetus go to heaven or it never existed (as if there was no rooh in it)?

2. Furthermore, I had a dnc done but after three weeks post procedure I'm still bleeding. Please advise on the process for salaah and Quraan.