10 Bible Verses About Debt

Debt has become a part of modern life. From credit cards to car loans, almost everyone borrows at some point. But while borrowing can seem normal, it often brings worry, stress, and financial pressure. The question many believers ask is simple: What does the Bible say about debt?

The Word of God does not call debt a sin, but it does give us wisdom on how to handle it. The Bible teaches us to be honest, generous, responsible, and free from anything that enslaves our hearts. These 10 Bible verses about debt reveal God’s timeless wisdom for managing money and living with peace.

1. Romans 13:8

“Let no debt remain outstanding, except the continuing debt to love one another.”

This verse reminds us that love is the only debt that should remain unpaid. Financial obligations should be settled responsibly, but our spiritual obligation to love others never ends. Love is the one debt that enriches both the giver and receiver.

2. Proverbs 22:7

“The rich rule over the poor, and the borrower is servant to the lender.”

This verse gives one of the clearest pictures of what debt does. Borrowing creates dependence and limits freedom. It reminds us to think carefully before taking loans or commitments that could make us financially or spiritually enslaved.

3. Psalm 37:21

“The wicked borrow and do not repay, but the righteous give generously.”

Here, the Bible teaches the importance of integrity. Borrowing is not wrong, but failing to repay what you owe is. God calls His people to be honest and faithful in every financial matter, showing generosity instead of greed.

4. Deuteronomy 15:1–2

“At the end of every seven years you shall grant a release. Every creditor shall release what he has lent to his neighbor.”

This passage shows God’s mercy in economic life. In ancient Israel, debts were forgiven every seven years to ensure no one lived in endless bondage. It reflects God’s heart of compassion and His desire for freedom over oppression.

5. Proverbs 22:26–27

“Do not be one who shakes hands in pledge or puts up security for debts; if you lack the means to pay, your very bed will be snatched from under you.”

This warning tells us not to take financial risks we cannot handle. Cosigning or guaranteeing someone else’s loan can bring unnecessary hardship. God’s Word encourages wisdom, planning, and discernment in financial dealings.

6. Matthew 6:12

“And forgive us our debts, as we forgive our debtors.”

Debt here is both spiritual and practical. Jesus connects forgiveness of sin with financial mercy. Just as we ask God to cancel our debts, we are called to show compassion and forgiveness toward others who owe us something.

7. Deuteronomy 28:12

“The Lord will open the heavens, the storehouse of His bounty, to bless all the work of your hands. You will lend to many nations but will borrow from none.”

God’s blessing brings abundance and freedom. Obedience to His Word leads to prosperity not only in wealth but also in peace. This verse reminds us that God desires His people to live in generosity, not dependency.

8. Nehemiah 10:31

“Every seventh year we will forgo working the land and will cancel all debts.”

Once again, God sets a pattern of rest and release. This verse shows how deeply He values justice and compassion in financial systems. Forgiving debt is not just about economics; it’s about kindness, community, and mercy.

9. 2 Kings 4:7

“She came and told the man of God, and he said, ‘Go, sell the oil and pay your debts; you and your sons can live on what is left.’”

This story of the widow and Elisha is a beautiful picture of God’s provision. She was drowning in debt but trusted God’s word. Through her obedience and faith, God provided enough not only to pay her debts but to live in peace.

10. Colossians 2:14

“He canceled the record of debt that stood against us with its legal demands; He set it aside, nailing it to the cross.”

This is the greatest message of all. Jesus paid the ultimate debt — the debt of sin. Through His sacrifice, our spiritual debts are erased forever. No matter what financial or emotional burden you carry, remember that in Christ, you are forgiven and free.

Conclusion

Debt is not evil, but it must be handled with wisdom and humility. The Bible shows us that true financial freedom begins with spiritual freedom. God calls us to be faithful, generous, and content with what we have.

If you are in debt today, remember that God cares deeply about your situation. He is able to provide, guide, and lead you into freedom. The same God who provided for the widow in 2 Kings can provide for you. Trust Him, plan wisely, and live with gratitude.

Let no debt remain except the debt of love — because love is the only currency that never loses value.

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