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Here’s What the Bible Says about DEBT, and Here’s Why You Should Care

It took me awhile to get it, but when I got it, I really got it. I think I’m pretty familiar with the Bible. I’ve been reading it for quite a few years now, and have read through the Bible a few times. (By the way, I would recommend a One-Year Bible, if you are interested in reading through the Bible yourself.)

There are times I read the Bible and it’s just like any other time. Then there are times when I read the Bible and it’s like the sky opens up, flashes of lightning ricochet through the sky, and a mighty chorus of angels appear out of nowhere singing angelic songs of praise and worship to God. Then revelation suddenly hits me.

In that moment, a mighty light is shone on the Bible and the passage in the Bible becomes crystal clear.  This is what happened to me one day while reading Proverbs 22:7.

The rich rules over the poor, and the borrower becomes the lender’s slave. – Proverbs 22:7 NASB

Now how clear is this scripture? Could it be any clearer?

But one day this scripture really came alive to me. It penetrated my spirit, and touched my soul. It became clear to me that it is not God’s will for His people to be in debt. 

Why? Because, God sent His Son to pay a heavy price, in blood, for our redemption and freedom from sin, and everything that comes along with sin. Jesus died to set us free. And it was God’s will that we be free.

So why on earth would He want us putting ourselves back in bondage, in slavery, by going into debt? And this is exactly what Proverbs 22:7 says debt is: It’s servitude to your lender.

The price for our freedom has been paid. The debt has been canceled. It would be to our advantage to remain free, and not allow ourselves to become enslaved again by sin, or debt.

And I think we know this, but we don’t really know this … until the Holy Ghost reveals it to us. And this is how revelation works. God reveals things to us through His Spirit when we are reading our Bible, praying, or sitting quietly in His presence.

When we stay connected to the Source, He reveals things to us through His Spirit.

This revelation really connected with me. I took it seriously. I came to believe that it’s not God’s will for His people to be in debt. 

And what is debt? The dictionary definition of debt is: an amount of money that you owe to a person, bank, company, etc.

But debt is also burdensome, limiting, and life-altering.

We talk all the time about God blessing us with a house or a car. But if we want to get technical, and we should, the Bible says that the blessings of God maketh rich, and he adds no sorrow to it (Proverbs 10:22). In other words, when God blesses you, it’s a true blessing, with no burdens or sorrows added. 

Usually, when we purchase a house or a car there’s a debtor’s note, with interest and interest payments added to it. You not only owe what you borrowed, but you owe an additional fee to the bank for lending you the money. And it could take years to pay off your debtor’s loan.

We are indebted to the lender/bank for as long as we owe money on the loan, until the loan is paid off. We have become the lender’s slave, working 9 to 5 to pay off our burdensome debt. Sometimes struggling to pay it off. And if we, God forbid, miss a payment the lender comes knocking on our door for their money, or their property, which they own as long as they hold the debtor’s note.

This is a burden. And it’s modern-day enslavement. Why would anyone call this a blessing?

It’s for this reason that I started desiring to pay cash for items that I purchase – including a car and a house. And if I can’t pay cash, I really can’t afford it.

These are lofty goals, and almost unheard of today, but they are possible. And, I believe this is God’s will for His people – to keep them out of servitude.

The Bible has a lot of rich information written in it. And these things are designed to keep us out of sin, out of debt, out of sickness, and in God’s will.

Take time to read through the Bible. It’s truly a life-transforming book. There’s so much wisdom and power written within the pages of the Bible. Get acquainted with it. And when you read it, pray to God for revelation.

I’m curious to know what are your thoughts on debt? Leave your comments below.    


Jeanita Jinnah is a Christian blogger and freelance writer. Jeanita’s passion is the see the church walking in the fullness of its calling, laser-focused on its mission, and looking forward to Christ’s return with expectancy in their hearts.


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