What Does Jesus Say About Debt

What Does Jesus Say About Debt?

In today’s world, debt has become an inevitable part of our lives. Whether it’s student loans, mortgage payments, or credit card debts, many people find themselves drowning in financial obligations. But what does Jesus say about debt? How does he guide us in navigating this complex issue? In this article, we will explore Jesus’ teachings on debt and provide answers to some frequently asked questions.

Jesus’ Teachings on Debt:

1. “The rich rule over the poor, and the borrower is slave to the lender.” (Proverbs 22:7)

In this verse, Jesus emphasizes the consequences of being in debt. He warns about the power dynamics that arise from indebtedness, where the borrower becomes subservient to the lender. Jesus acknowledges that debt places a burden on individuals and can hinder their ability to live freely.

2. “Give to everyone who asks you, and if anyone takes what belongs to you, do not demand it back.” (Luke 6:30)

While this verse may not directly address debt, it reminds us of the importance of generosity and selflessness. Jesus encourages his followers to be giving and to help those in need. Applying this principle to debt, it suggests that we should strive to assist others in their financial struggles whenever possible.

3. “Owe no one anything, except to love each other, for the one who loves another has fulfilled the law.” (Romans 13:8)

In this verse, the Apostle Paul, inspired by Jesus’ teachings, emphasizes the importance of avoiding debt. He encourages believers to owe nothing to anyone, except for the debt of love. This implies that Jesus wants us to be responsible stewards of our finances and not burden ourselves with unnecessary debt.

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4. “For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it?” (Luke 14:28)

Jesus advises us to consider the consequences and implications before taking on financial commitments. He emphasizes the importance of proper planning and assessing our ability to fulfill our financial obligations. This teaching implies that Jesus wants us to be prudent with our resources and avoid financial distress.


Q: Does Jesus condemn borrowing money altogether?
A: No, Jesus does not condemn borrowing money outright. However, he warns about the potential consequences and encourages responsible financial behavior.

Q: Are there any exceptions to Jesus’ teachings on debt?
A: Jesus’ teachings on debt provide general principles to guide our financial decisions. However, there may be exceptional circumstances where borrowing becomes necessary, such as emergency situations or investments that generate future income.

Q: What steps can I take to manage my debt responsibly?
A: To manage debt responsibly, start by creating a budget and living within your means. Prioritize paying off high-interest debts first, explore debt consolidation options, and seek professional advice if needed. Additionally, practicing contentment and avoiding unnecessary expenses can help prevent excessive debt.

Q: How can I help others struggling with debt?
A: Following Jesus’ teachings, you can help others struggling with debt by offering support, guidance, and practical assistance. This can include sharing financial advice, connecting them with resources, or even providing financial assistance if you are able.

Q: Are there any spiritual implications to being in debt?
A: While debt itself may not have inherent spiritual implications, it can affect our well-being and relationships. Debt can cause stress, strain marriages, and hinder our ability to live a generous and fulfilling life. Therefore, managing debt responsibly aligns with Jesus’ teachings on love, stewardship, and helping others.

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In conclusion, Jesus’ teachings on debt emphasize the importance of responsible financial behavior, avoiding unnecessary debt, and helping others in need. While debt has become prevalent in our society, it is crucial to heed Jesus’ guidance and strive for financial freedom and responsible stewardship of our resources. By doing so, we can live a life that aligns with Jesus’ teachings and positively impacts those around us.