Debt + Freedom

Debt is a reality that many of us face—whether it’s from education, medical needs, or day-to-day expenses that have added up over time. While Scripture doesn’t condemn those in debt, it does provide us with wisdom and direction for how to live faithfully while in it—and how to pursue freedom from it when we can.

Let’s explore two guiding truths that can help us live honorably before the Lord in both seasons of debt and deliverance:

1. If You Are in Debt, Work for Your Debtor as Working for the Lord

While being in debt can feel burdensome, God's Word calls us to integrity and diligence in every circumstance. When we owe someone—whether a bank, a person, or an institution—we should honor that obligation as if we were working directly for Christ.

The Apostle Paul encourages us, “Whatever you do, work heartily, as for the Lord and not for men, knowing that from the Lord you will receive the inheritance as your reward. You are serving the Lord Christ.” (Colossians 3:23–24)

If debt means working longer hours, creating a repayment plan, or sacrificing comforts, we can still do these things with joy and purpose—knowing our labor is not in vain when it is done unto the Lord.

Additionally, Proverbs 22:7 reminds us, “The borrower is servant to the lender.” This verse doesn’t shame but rather opens our eyes to the truth: debt creates obligation. And Scripture consistently calls us to be people who fulfill our obligations with honor (Psalm 37:21).

2. When the Opportunity Arises, Get Out of Debt

Freedom from debt is not just a financial milestone—it’s a spiritual opportunity. It’s a chance to walk in greater liberty, to be more available to serve others, and to redirect resources toward the Kingdom.

Romans 13:8 declares, “Owe no one anything, except to love each other.” While this verse speaks primarily of our moral and relational obligations, it also reflects the goal of Christian stewardship—to live with open hands and an unburdened heart.

When the Lord provides an open door—whether through increased income, wise planning, or unexpected provision—it is wise to walk through it. Getting out of debt isn’t about achieving a personal goal; it’s about walking more freely in the good works God has prepared for us (Ephesians 2:10).

Proverbs 6:4–5 offers a powerful metaphor: “Give your eyes no sleep… save yourself like a gazelle from the hand of the hunter.” In other words, don’t stay in debt passively—seek freedom actively, prayerfully, and with discipline.

Final Thoughts

Debt is not the end of your story—it can be a chapter in a greater testimony of God's provision, your faithfulness, and eventual financial freedom. Whether you're working to repay or stepping into release, know that the Lord walks with you.

In every season, be encouraged: “The Lord will open the heavens, the storehouse of His bounty... You will lend to many nations but will borrow from none.” (Deuteronomy 28:12)

Your faithfulness—right where you are—is worship.