Divine Simplicity Focus on the things that matter…sweep aside the things that don't.

The United States is a debtor nation. The US Congress regularly borrows money to keep the government running.  The national debt is the grand total of money the government owes, either to investors or to itself (source: USAfacts.org). The current national debt is approaching $35 trillion. That’s 35 followed by 12 zeros! 

There is an intriguing concept of debt forgiveness in Jewish law that relates to the Shemitah year, which occurs every seven years. According to the Torah, in the Shemitah year, all personal loans between Jews are canceled, and lenders must release their debtors from their obligations. This is known as Shemitat Kesafim, or “release of money.” The purpose of this law is to foster generosity, faith, and social justice among the Jewish people, and to remind them that everything ultimately belongs to God. Imagine how different our lives would be if this form of debt relief were practiced in America today.

Average American citizens are debtors. Per the website Statista.com, the average American had $21,800 in non-mortgage debt in 2023. Much of this amount was accrued on credit cards used to fund consumer spending…I just had to have that new iPhone!  Unlike older generations, younger consumers today often buy on credit those things that older generations would have saved up for and purchased in cash, like a new car…Why wait, you can have it now.  You deserve it!

Today, the idea of saving enough money to buy a new car is as outdated as the idea of working one’s way through college.  While not impossible, the skyrocketing cost of new cars and attending a four-year college make paying cash as one goes out of reach for most people.

According to a July 2023 article on Forbes.com (https://www.forbes.com/advisor/student-loans/average-student-loan-debt-statistics/), total student loan debt was $1.75 trillion.  Around 55% of students from public four-year institutions had student loans. The average student loan debt for students coming out of public four-year institutions was $28,950.   

There’s an old adage that says, “The borrower is slave to the lender.” There’s a lot of truth in this. The Bible describes our sins as debts to God. Sin debt to God is a concept describing the moral obligation that humans have to obey God’s law and the penalty that they incur when they fail to obey. Sin is disobedience to God’s will and commands. King David acknowledges in Psalm 51:3-4, that his sins are offenses against God, not man:

³ For I know my transgressions, and my sin is always before me.
⁴ Against you, you only, have I sinned and done what is evil in your sight; so you are right in your verdict and justified when you judge.

Sin separates humans from God’s presence and favor. The consequence of sin is death, both physical and spiritual, which means eternal separation from God.

The Bible teaches that God is merciful and gracious, and He has provided a way for humans to be forgiven and reconciled to Him. God sent His Son, Jesus Christ, to die on the cross as a substitute for sinners, paying the debt that they could not pay themselves. By trusting in Christ’s death and resurrection, sinners can receive God’s forgiveness and eternal life. This is the Good News (Gospel), of God’s salvation for sinners. God cancels the sin debt of those who believe in His Son and restores them to a right relationship with Him. While you may not receive government relief from your student loans or other debts, thanks be to God that forgiveness for our sin debt against Him is available.

Ephesians 2:1-10   As for you, you were dead in your transgressions and sins, ² in which you used to live when you followed the ways of this world and of the ruler of the kingdom of the air, the spirit who is now at work in those who are disobedient. ³ All of us also lived among them at one time, gratifying the cravings of our flesh and following its desires and thoughts. Like the rest, we were by nature deserving of wrath. ⁴ But because of his great love for us, God, who is rich in mercy, ⁵ made us alive with Christ even when we were dead in transgressions—it is by grace you have been saved. ⁶ And God raised us up with Christ and seated us with him in the heavenly realms in Christ Jesus, ⁷ in order that in the coming ages he might show the incomparable riches of his grace, expressed in his kindness to us in Christ Jesus. ⁸ For it is by grace you have been saved, through faith—and this is not from yourselves, it is the gift of God— ⁹ not by works, so that no one can boast. ¹⁰ For we are God’s handiwork, created in Christ Jesus to do good works, which God prepared in advance for us to do.

*All Bible quotes are NIV