Romans 12:2 tells us "Do not conform to the pattern of this world, but be transformed by the renewing of your mind." Unfortunately, we Christians have conformed to the world's addiction to debt. We've believed the lie that we need debt to get the things that we want. God says to owe no man anything except the debt of love. He also tells us that the borrower is slave to the lender. There is nothing Godly about being in financial bondage; but somehow we have allowed companies like Visa, MasterCard, and Sallie Mae to come between us and our God. Christianity should be synonymous with debt freedom. When the economy fails, every Christian should be able to thrive because we're connected to a God with an unlimited supply of resources. God knows when we desire higher education, housing, transportation, basic income, entrepreneurship, etc. Seemingly enough, God doesn't move quite as quickly as we'd like him to, we aren't willing to do the work required to get our blessings, or we really don't believe that he will provide. As a result, we've chosen to turn to debt in order to get our needs met. In actuality, it would appear as if we have a faith issue more than a money issue. Matthew 21:12 tells us that we will receive whatever we ask for in prayer IF we believe. So we're either not asking, not believing, or a combination of the two.
The bottom line is this, we have to separate ourselves from the world and return to God as our source. Even if you're currently in debt, pray that God would accelerate the repayment process so that you can return to him. As the blessings start rolling in, apply it towards your loans. Show him that you're serious about this. Get out of debt, and commit to never borrow again. It won't be easy, and you'll have to be patient, but God will provide. I can surely attest to that given all of the financial "emergencies" that I've encountered over the last couple of months from having my entire AC system replaced to numerous car repairs. The devil's temptations were no match for the faithfulness of my God! I pray that everyone who reads this would surrender their finances to God, and really give him the opportunity to bless your lives. You'll be glad that you did.
Change requires action!