Biblical Answer

The Biblical Perspective on Medical Debt

From a biblical perspective, there is no clear-cut teaching that prohibits debt altogether. However, the Bible does emphasize the importance of being mindful of one's financial obligations and living within one's means. In the book of Proverbs, it is written, "The rich rules over the poor, and the borrower is servant to the lender" (Proverbs 22:7). This verse suggests that taking on debt can lead to a loss of freedom and autonomy.

In the case of medical debt, it is often not possible to pay back the full amount owed, especially if the debt has accumulated over time. Filing for bankruptcy may be a viable option in such cases, but it is essential to note that this should not be done lightly or as a means of avoiding responsibility. As Larry Burkett notes, "The scriptural definition of debt is the inability to meet obligations agreed upon." Therefore, if one is unable to pay back medical debt due to circumstances beyond their control, it may be necessary to seek help from a financial advisor or a credit counselor.

Ultimately, the Bible teaches that God is a God of forgiveness and redemption. As Jesus said, "If you forgive men when they sin against you, your heavenly Father will also forgive you. But if you do not forgive men their sins, your Father will not forgive your sins" (Matthew 6:14-15). This verse suggests that forgiveness and mercy are essential components of God's character, and that He desires for us to extend the same forgiveness and mercy to others. Therefore, while medical debt can be a significant burden, it is essential to approach it with a sense of humility and trust in God's provision and forgiveness. Our response should be one of compassion and understanding, rather than judgment or condemnation. By seeking help and working towards a solution, we can demonstrate our trust in God's sovereignty and provision, even in the midst of extreme financial circumstances.