Debt is a word that can drain the color out of a room. It’s the uninvited guest that stays too long and eats away at our peace of mind. But as stewards, we must learn to see debt not as a curse or condemnation—but as a call to correction, wisdom, and renewal.

As Thomas writes in Uniform of the Steward:

“Debt is not just a financial weight—it’s a spiritual whisper asking, ‘Who do you trust?’ Each payment reminds us that ownership has limits, and stewardship has boundaries.”

That perspective changes everything. Debt isn’t a moral failure; it’s a moment for stewardship to take the lead.

⚖️ Understanding Your Debt Relief Options

The financial world offers several “escape hatches” for debt, but not all lead to freedom. Some only disguise the trap with better lighting. Let’s look at the common options—through the eyes of a faithful steward.

1. Debt Consolidation:
Combining multiple high-interest debts into one lower-interest loan can be wise if it helps you pay off what you owe faster without adding new debt. But consolidation without discipline is like sweeping dirt under a rug—it looks cleaner, but it’s still there.

In Putting on the Uniform of the Steward, Thomas reminds us:

“Stewardship begins not with what we owe, but with what we obey. You can’t consolidate your way out of a heart unaligned with God’s purpose.”

2. Credit Counseling:
Working with a nonprofit agency can help you set up structured repayment plans. These programs often reduce interest rates and waive late fees. The key is finding one that educates—not just consolidates. A good counselor doesn’t just help you pay debt; they help you change habits.

3. Debt Settlement:
This option negotiates with creditors to pay less than you owe. It sounds appealing, but it often comes with fees, credit score damage, and tax implications. Think of it as an emergency parachute—use only when your financial plane is already spiraling.

4. Bankruptcy:
Bankruptcy should never be entered lightly, but Scripture reminds us that mercy and new beginnings are part of God’s character. Proverbs 24:16 says, “Though the righteous fall seven times, they rise again.”
Still, if this is your path, seek godly counsel—legal, financial, and spiritual. Freedom found in bankruptcy should lead to humility, not relief alone.

🛠 The Steward’s Way Out of Debt

Stewardship doesn’t rely on shortcuts; it builds endurance. That’s why the most effective “debt relief program” isn’t found in fine print—it’s found in a renewed heart.

Here’s what Thomas says in Putting on the Uniform of the Steward:

“The greatest payoff isn’t the day you become debt-free. It’s the day you stop being owned by anything but God.”

So, if you’re overwhelmed, start here:

• Pray before you pay. Invite God into your financial decisions.
• Track every dollar. Stewardship thrives on awareness, not avoidance.
• Stop adding new debt. A leak ignored becomes a flood.
• Celebrate progress. Every bill paid is a spiritual victory.

📖 A Biblical Anchor for Financial Freedom

Romans 13:8 (NIV) says, “Let no debt remain outstanding, except the continuing debt to love one another.”
Paul isn’t condemning all debt—he’s reminding us that love must remain our only lasting obligation. When you pay what you owe, you’re not just freeing up money—you’re freeing up your ability to serve, give, and build for the Kingdom.

In the end, debt relief isn’t just financial strategy—it’s spiritual restoration.