# What does the Bible say about debt? > What the Bible says about debt: is borrowing a sin, the borrower and the lender, paying what you owe, co-signing, and getting out of debt. Cited verses. Source: https://www.lumin.faith/what-the-bible-says-about/debt By Andrew Kittridge, Founder of Lumin · November 8, 2026 Verses are chosen for the question being asked. Scripture on this site is quoted from the Lumin Translation, the same text as the public reader and the iPhone Bible tab: Lumin’s own translation, drafted with AI from the Hebrew, Aramaic, and Greek, checked verse by verse against them, and approved by Lumin. Glosses in answers are original summaries, not a second Bible. Open the named passage; AI is not the interpreter. [How we cite Scripture](https://www.lumin.faith/about#how-we-cite) The Bible does not say borrowing is a sin. It does warn that debt is a kind of bondage, tells people to repay what they owe, and cautions against promising to cover someone else’s debts. Israel’s law protected the poor from lenders, and Jesus taught his followers to pray about debts of another kind. Scripture’s goal is freedom: owe no one anything except love. - [Ask with Scripture you can open](https://www.lumin.faith/ask.md) - [Read the chapter with Bible Coach](https://www.lumin.faith/bible-coach.md) - [Make room to pray](https://www.lumin.faith/pray.md) ## Bible verses about debt - **[Proverbs 22:7](https://www.lumin.faith/read/proverbs/22#7)** — The borrower becomes a slave to the lender. - **[Romans 13:8](https://www.lumin.faith/read/romans/13#8)** — Owe no one anything except the debt of love. - **[Psalm 37:21](https://www.lumin.faith/read/psalm/37#21)** — The wicked borrow and do not repay; the righteous are gracious and give. - **[Proverbs 22:26-27](https://www.lumin.faith/read/proverbs/22#26)** — Do not put up security for someone else’s debts, or you may lose your own bed. - **[Luke 14:28-30](https://www.lumin.faith/read/luke/14#28)** — Before you build, sit down and count the cost so you can finish. - **[Proverbs 21:5](https://www.lumin.faith/read/proverbs/21#5)** — Careful plans lead to plenty; haste leads to want. - **[2 Kings 4:1-7](https://www.lumin.faith/read/2-kings/4#1)** — God provides for a widow in debt, and Elisha tells her to pay what she owes. - **[Hebrews 13:5](https://www.lumin.faith/read/hebrews/13#5)** — Be free from the love of money and content, because God will never leave you. ## Highlighted verse > Owe no one anything except to love one another, for whoever loves another person has fulfilled the law. > > — Romans 13:8 (Lumin Translation) ## Reflection Debt is one of the most common weights people carry, and it often comes with shame. Scripture is plain about the weight without heaping on the shame. Proverbs says the borrower becomes a slave to the lender. That is a description, not a curse. Debt narrows your choices and claims your future income, which is why the Bible treats getting free as a good goal. It also asks for integrity. Psalm 37 says the righteous repay. When Elisha helped a widow whose creditor was coming for her sons, God provided, and the first instruction was to pay the debt. Jesus’ picture of counting the cost before you build is a gentle case for planning before you sign. And Proverbs warns more than once against co-signing for a debt you cannot cover yourself. If you are already in debt, the Bible does not call you a failure. It calls you to honesty, a plan, and contentment that does not keep adding to the load. Hebrews 13:5 ties contentment to a promise: God will never leave you. You are not alone with the numbers. ## One next step Write down every debt you owe with its amount. Pray over the list by name, then choose one to pay down first and one spending habit to pause this month. ## FAQ ### Is debt a sin according to the Bible? No. The Bible never calls borrowing a sin, and Israel’s law gave rules for lending fairly. It does call failing to repay wrong (Psalm 37:21) and warns that the borrower becomes a slave to the lender (Proverbs 22:7). Debt is not forbidden, but freedom from it is the wiser goal. ### What does “owe no one anything” mean in Romans 13:8? Paul is telling Christians to pay what they owe: taxes, respect, and other obligations (Romans 13:7). The one debt you never finish paying is love. Most readers do not take it as a ban on every loan, but as a call to keep accounts settled and not leave debts unpaid. ### What does the Bible say about co-signing a loan? Proverbs warns against it several times. Do not put up security for someone else’s debts, because if you cannot pay, you may lose what you have (Proverbs 22:26-27; Proverbs 17:18). If you want to help, giving what you can afford to lose is often kinder than signing for what you cannot. ### How do I get out of debt as a Christian? Start with honesty: list what you owe. Make a plan before you spend (Proverbs 21:5; Luke 14:28), repay what you can steadily (Psalm 37:21), and practice contentment so the debt stops growing (Hebrews 13:5). Talk to a trusted friend or a nonprofit debt counselor, and pray over the plan. ## Related questions - [What does the Bible say about money?](https://www.lumin.faith/what-the-bible-says-about/money.md) - [What does the Bible say about contentment?](https://www.lumin.faith/what-the-bible-says-about/contentment.md) - [What does the Bible say about generosity?](https://www.lumin.faith/what-the-bible-says-about/generosity.md) ## Related guides - [Ask with Scripture you can open](https://www.lumin.faith/ask.md) - [Read the chapter with Bible Coach](https://www.lumin.faith/bible-coach.md) - [Make room to pray](https://www.lumin.faith/pray.md) --- Lumin has four parts: Ask, Bible Coach, Pray, and Sermon Week. The app is for iPhone and iPad. App Store: https://apps.apple.com/us/app/lumin-bible-ai-companion/id6754889412 Ask on the web: https://www.lumin.faith/app Browse answers: https://www.lumin.faith/answers.md