Articles, Current Series, On To Maturity, Quiet Times

Day 10 – Dealing With Debt

Part 1 – God’s View

Types of Debt

  • Legitimate
    • To meet real needs or provide for necessities
    • Home mortgage
    • Auto Loan
    • Educational Loan
  • Sinful, Foolish
    • To make non-essential purchases
    • Entertainment items
    • Vacations
    • Borrowing what you cannot repay or do not know when can repay
    • Borrowing at excessive rates of interest


  • As Christians, borrowing should be the exception, not the rule.
  • Do not let any debt remain outstanding, remain totally debt free! (Romans 13:8)
  • God calls those who borrow and do not repay wicked (Psalm 37:21)
  • Let your “Yes” be “Yes.” When you borrow, repay on time (Matthew 5:37)
  • When you borrow someone’s property you are responsible for it. For example, if you borrow someone’s car and get into an accident, you are responsible for the cost of repairs.


  • Do not charge interest when lending to a brother in need.
  • Have compassion and do add to people’s burdens (Exodus 22:25-27)
  • Be generous in lending to those in real need (Deuteronomy 15:7-8)
  • Do not lend expecting repayment; therefore, do not lend what you need to get back.
  • Lending your rent money expecting the borrower to repay on time (Luke 6:34-36)
  • Do not lend or give money to someone who is idle or unwilling to work, even if they are a Disciple! Do not lend to people if it promotes their irresponsibility, laziness or self indulgence.


  1. Fill out the debt work sheet on page 19.
  2. Make a plan to repay all of your debts!

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