Just because someone THINKS they have a call to the religious life, doesn’t mean that they actually do.
Many orders, for example, have age limits. If you’re too old, they won’t accept you. You could make the same argument about them. “Surely you don’t ignore an eternal call due to [being too old].” Yet if you’re 40 and the order you are interested in doesn’t take people over 30, then you have to accept that no matter what you may think, you don’t have a call to that order. For a call to really exist, it has to be confirmed by the order.
If you have a debt then you need to try and pay it yourself or find someone else to help.
That’s dishonorable at best. It would hardly seem in keeping with the spirit of following Jesus to stick others with your debts. And it would be difficult to discern who is applying for admission because they really mean it and who is applying as a way of avoiding paying off debts.