Biblical Answer

The Pain and Shame of Being in Debt: A Biblical Perspective

Being in debt can be a source of significant pain and shame, not just financially but also emotionally. As Christians, we are called to render all due obedience to the civil authorities, which includes managing our finances responsibly (Romans 13:1-7). However, when we find ourselves in debt, it can feel like a weight is crushing us, and we may wonder how we can escape the shame and guilt associated with it.

The Biblical Approach to Debt

From a biblical perspective, debt is not a trivial matter. In Proverbs 22:7, it is written, "The rich rule over the poor, and the borrower is servant to the lender." This verse highlights the importance of living within our means and not taking on debt that we may not be able to repay. When we borrow and fail to pay back, we are essentially putting ourselves in a position of servitude to the lender. This can lead to feelings of shame and guilt, as we are not living up to our responsibilities. On the other hand, when we take responsibility for our debts and make a plan to pay them off, we are demonstrating a sense of integrity and accountability.

Finding Freedom from Debt

So, how can we find freedom from debt and the associated pain and shame? First and foremost, we must acknowledge our debt and take responsibility for it. This means being honest with ourselves and others about our financial situation and making a plan to pay off our debts. We must also learn to live within our means, avoiding unnecessary expenses and making wise financial decisions. Additionally, we can seek the help of a financial advisor or credit counselor to develop a budget and get back on track. By taking these steps, we can begin to break free from the weight of debt and experience the joy of financial freedom. As the Bible says, "The borrower is servant to the lender, but the one who is righteous gives way to the needs of others" (Proverbs 19:17). By living responsibly and giving generously, we can experience true freedom from debt and the associated pain and shame.