All perfect praise be to Allaah, The Lord of the Worlds. I testify that there is none worthy of worship except Allaah, and that Muhammad is His slave and Messenger. We ask Allaah to exalt his mention as well as that of his family and all his companions.
If a person who is obliged to pay Zakat renounces the debts that someone else owes him, this does not exempt him from paying the Zakat, as the intention [of paying Zakat] is required. In your case, the money is given as a loan and not as Zakat, and if you consider this money as Zakat this involves acquiring a benefit and getting back one's right and avoiding the loss of your money. So this cannot be considered as Zakat. Indeed it is urged in Islamic Law to extend the time of repayment for the debtor, or to renounce the entire loan or a part of it.
Allaah Says (which means): {And if someone is in hardship, then [let there be] postponement until [a time of] ease. But if you give [from your right as] charity, then it is better for you, if you only knew.}[Quran 2:280].
Nonetheless, you have not mentioned in your question whether or not your husband had really divorced you. However, if there is no divorce and it is not possible to perfectly maintain the marital relationship with him, then asking him to divorce you in this case may be better so that you will not remain undecided [neither divorced nor married].
Finally, it should be noted that one should not hasten to marry. Rather, one should first perform Istikhaarah prayer and then seek the advice of the pious and righteous people who know the person who proposes for marriage.
Allaah Knows best.