Debt has become a normalized disaster in modern culture, trapping individuals in a cycle of financial bondage that steals their income, opportunities, and peace. By reframing tools like the FICO score as debt scores rather than wealth indicators, we can see how consumer debt compromises our freedom. True financial stewardship requires rejecting the cultural lie that debt is necessary, embracing the biblical truth that the borrower is slave to the lender, and committing to live debt-free.

Proverbs 22:7

The rich rule over the poor,

and the borrower is slave to the lender.

Romans 13:8

Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law.

Luke 14:28-30

Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it? For if you lay the foundation and are not able to finish it, everyone who sees it will ridicule you, saying, ‘This person began to build and wasn’t able to finish.’

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