10 Bible Verses about Debt for Financial Freedom

couple calculating all their bills

Debt is a huge burden that many of us face in life, causing stress, worry, and even despair. Fortunately, the Bible offers us wisdom, guidance, and encouragement in navigating the challenges of debt. In this blog post, we will explore ten powerful Bible verses about debt. May these verses inspire you, bring you hope, and guide you toward financial freedom.

Are you stuck in debt? Here is a message to help you break free from the debt cycle, where we unpack a few simple Biblical principles to help you live in freedom from debt.

1. Proverbs 22:7

“The rich rules over the poor, and the borrower is the slave of the lender.”

This verse reminds us of the potential consequences of debt. Borrowing money may result in a loss of freedom and control over our financial well-being. It encourages us to approach debt cautiously and seek wisdom in managing our finances.

2. Psalm 37:21

“The wicked borrows and does not repay, but the righteous shows mercy and gives.”

As believers, we are called to honor our debts and fulfill our financial obligations. This verse highlights the importance of integrity in our financial dealings, urging us to be responsible and faithful stewards of our resources.

3. Romans 13:8

“Owe no one anything, except to love each other, for the one who loves another has fulfilled the law.”

While this verse may not condemn all forms of debt, it emphasizes the importance of love and prioritizing relationships over financial obligations. It encourages us to maintain healthy financial habits and be mindful of our commitments.

4. Proverbs 21:5

“Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.”

This verse highlights the value of diligence and careful planning. By managing our finances wisely, avoiding impulsive decisions, and practicing patience, we can steer clear of debt and experience abundance in various areas of our lives.

5. Matthew 6:24

“No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”

This verse reminds us of the dangers of idolizing wealth and material possessions. It encourages us to prioritize our relationship with God over the pursuit of worldly riches, leading to a healthier perspective on debt and finances.

6. Proverbs 3:9-10

“Honor the Lord with your wealth and with the firstfruits of all your produce; then your barns will be filled with plenty, and your vats will be bursting with wine.”

This verse reminds us of the importance of giving and tithing. By acknowledging God as the ultimate source of our blessings and faithfully giving from our resources, we can experience His provision and find relief from financial burdens.

7. Luke 14:28

“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?”

This verse teaches us the significance of prudent financial planning. Before embarking on a financial commitment, it is crucial to assess our resources and consider the long-term implications. By being responsible and diligent in our financial decisions, we can avoid unnecessary debt.

8. Proverbs 22:26-27

“Don’t agree to guarantee another person’s debt or put up security for someone else. If you can’t pay it, even your bed will be snatched from under you.”

This verse encourages us to remain cautious. It reminds us of the potential consequences of assuming financial responsibility beyond our means, emphasizing the importance of financial prudence.

9. Matthew 5:42

“Give to the one who begs from you, and do not refuse the one who would borrow from you.”

While this verse primarily focuses on acts of charity and generosity, it also teaches us the value of compassion and lending a helping hand to those in need. It encourages us to approach lending with a spirit of kindness and empathy, but also with wisdom and discernment.

10. Hebrews 13:5

“Keep your life free from love of money, and be content with what you have, for he has said, ‘I will never leave you nor forsake you.'”

This verse reminds us of the importance of contentment and trusting in God’s provision. By cultivating a heart of gratitude and recognizing that our ultimate security lies in Him, we can find peace in our financial circumstances and resist the temptation of excessive debt.

Short Prayer for Debt

Heavenly Father, we come before you with our financial burdens and worries. We ask for wisdom and discernment in managing our resources and navigating the challenges of debt. Help us to be responsible with our money, honor our commitments, and build towards financial freedom. Help us to be wise and trust in You. Please give us a heart filled with generosity. May your provision be evident in our lives as we strive to honor you with our finances. In Jesus’ name, we pray. Amen.


In times of financial struggle and debt, it is comforting to know that the Bible provides guidance and encouragement. These ten powerful verses remind us of the importance of wise financial management, integrity in our dealings, and trusting in God’s provision. By embracing these principles and seeking His guidance, we can find hope, freedom, and peace in our financial journey. Remember, with God’s help, we can overcome debt and experience His abundant blessings.

May God bless you abundantly and lead you into financial freedom.

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