The Christian's Priority of Getting Out of Debt

Perhaps the most important principle for those in debt, is to be intentional about spending less than we earn in order to use surplus dollars to pay off any debts.

Living in such a way as to create extra financial resources in an effort to pay down debt, rather than increasing our lifestyle or wheeling and dealing in the investment markets, is a demonstration of respect for God’s priorities and obedience to His principles.

Below are several reasons why I believe getting out of debt should be a priority for a Christian.

It reflects an obedient spirit.

Give everyone what you owe him: If you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honor, then honor. Let no debt remain outstanding, except the continuing debt to love one another... (Rom. 13:7-8)

Do not say to your neighbor, “Come back later; I’ll give it tomorrow” when you have it with you. (Prov. 3:27-28).


It reflects personal integrity.

It is better not to vow than to make a vow and not fulfill it. (Ecc. 5:5)

The wicked borrow and do not repay, but the righteous give generously. (Ps. 37:21)


It reflects an allegiance to Christ alone. (If we are in debt, our allegiance is split because, we must “serve” our creditors).

Now that you have been set free from sin and have become slaves to God, the benefit you reap leads to holiness, and the result is eternal life. (Rom. 6:22).

The rich rules over the poor, and the borrower becomes the lender’s slave. (Prov. 22:7).

Cutting back on your spending in order to become debt-free, (perhaps sacrificing convenience, luxury, status and ego), is a decision that will reap the peace of obedience to God's principles.  Sacrificing NOW will bring peace and financial freedom both now and in the future and is both wise and honoring to God.