Legal analysis: you need to pay alimony if you have a loan. Raising minor children is the legal obligation of parents, and loans cannot be used as a reason for refusing to pay alimony. Maintenance is the living and educational expenses borne by parents or other people who have the obligation to support minors.

Legal basis: Article 1085 of the Civil Code of People's Republic of China (PRC). After divorce, if the children are directly raised by one party, the other party shall bear part or all of the support. The amount and duration of the expenses shall be agreed upon by both parties; If the agreement fails, the people's court shall make a judgment. The agreement or judgment stipulated in the preceding paragraph shall not prevent the children from making reasonable demands to either parent over the original agreement or judgment when necessary.