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Debt becomes slavery when it eliminates choice. At that point, the borrower no longer directs their life according to purpose, but according to obligation. Scripture states clearly that the borrower becomes servant to the lender—not as metaphor, but as functional reality.
Slavery through debt does not begin suddenly. It develops gradually through accumulation, lack of planning, and normalization of dependence. Over time, decisions are made to maintain payments rather than build a future. Stress increases, margin disappears, and freedom erodes.
Biblical wisdom does not deny that debt exists, but it consistently warns about its power. Debt reshapes priorities, restricts generosity, and compromises peace. Even manageable debt demands mental and emotional energy that could otherwise serve growth.
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Deliverance from debt slavery requires discipline, humility, and patience. It involves confronting habits, restructuring commitments, and choosing long-term freedom over short-term relief. Freedom is restored when obligation no longer dictates direction.
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