The correct opinion of Muslim scholars is that
it is irrelevant to the calculation of Zakah whether the money is from a debt or not. The Prophet (peace be upon him) used to send his representatives to collect the Zakah and estimate the amount of fruit to be paid in Zakah without ordering them to determine whether the people were in debt or not. Thus, you must pay the Zakah due on your property, including the money you borrowed from the fund.May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.