“We’re Debt Free!! by Justin Guin”

    Every Friday on the Dave Ramsey Show guests scream, “We’re debt free!” to celebrate paying off all creditors. It is inspiring to hear them tell their story and the sacrifices they made to accomplish this goal. Every time I listen to these people, I am reminded of how much I hate debt and wonder what it would feel like to be in their position.

    There is a debt that is much worse than financial. It is the debt we owe God due to our sin. I hate this debt most of all. I cannot work extra and save up enough money to pay it off. Every time I try to remedy it myself, I am always in default. There is good news. Through Jesus Christ, God is willing to pay the debt in full. We sing a hymn that reminds us of God’s goodness in paying off this spiritual lien standing against us. Consider the words of this song. 

    “I owed a debt I could not pay.” Over the centuries religious leaders have tried to come up with different ways to deal with the debt of sin. It usually fluctuates from one extreme to another. It is suggested we follow certain tenets given by the church and all will be forgiven. At one time, “indulgences” were available to purchase from the Catholic church to secure forgiveness. Others have contended that forgiveness comes from faith alone. Just say a prayer and the debt is paid. Unfortunately, none of these things settle the debt of sin. 

    “He paid a debt he did not owe.” When Christ came to earth, he gave up his heavenly privileges to die for humanity (Phil. 2:6-8). Sin’s payment is death (Rom. 6:23). It was a price set by God himself (Gen. 2:17). Through Jesus’ vicarious sacrifice on Calvary’s cross, he did for each of us what we could not do for ourselves. He retired sin’s debt. It no longer demands payment from us. Thus, we sing a brand new song, “Amazing Grace!” 

    “One day he’s coming back for me to live with him eternally.” The prospect of Jesus’ return can be both comforting and terrifying. If you’re a Christian, it is comforting because the debt has been paid and eternal salvation is secure. If not, you’re liable for the debt of sin and eternal punishment is the result. The key is meeting God on his terms. His plan of salvation hasn’t changed, and it offers eternal salvation through Christ. 

    Those who have been washed by the blood of Christ can also scream, “We’re debt free!” Jesus paid it all, and all to him I owe.