“Owe nothing to anyone—except for your obligation to love one another”  Romans 13:8a (NLT).  Debt can be a crushing burden hampering every area of one’s life.  Both OT and NT caution against it.  It can become a form of slavery.  In our day it is too often entered into because of greed driven consumerism.  It is the culture we breathe.  We are invited to it by a thousand commercials a day.  It is not easy to live with budgets and discipline, thrift and simplicity as a lifestyle, but it is best.  Without debt we can better use our labor to share with those in need (Ephesians 4:28).  Generosity is much more freeing than debt.