Count How Many Times User Borrow In Order To Do Subtraction

I'm new to Java. I have a problem with this code, wherein you have to count how many times you borrow in order to do subtraction.

For example:
x = 312;
y = 34;

The output should be: 2 because you have borrowed 2 times in subtraction.

My problem is like this, whenever I input x=12, y=2, the output is 1, also, when x = 12, y = 1. It should be 0.

Here's my code:

import java.util.Scanner; 
public class BorrowOut{
public static void main (String [] args){
Scanner in = new Scanner (System.in);
int x;
int y;
int i = 0;
int j = 0;

[Code] ....