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The Year Everything Resets.

Q: What Does the Bible Say About Debt?

The Bible strongly discourages debt. Proverbs calls the borrower a slave to the lender. The Old Testament even mandated periodic debt forgiveness.

Deuteronomy 15 — The ancient economic policy that would terrify every lender alive today

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Key Takeaways

God built a mandatory debt reset into the economy — every seven years, all loans between Israelites were completely cancelled, no exceptions.

Moses called out the internal negotiation we all do before giving — the reluctance to be generous when the math doesn't favor you isn't wisdom, it's a heart problem.
Freedom without resources isn't really freedom — God required masters to send servants away with a full severance package, not just an open door.
The memory of your own redemption is supposed to change how you treat everyone with less power than you — God kept pointing Israel back to Egypt.
Generosity starts with giving God the first and best, not whatever's left over — one is gratitude, the other is trust.

📢 Chapter 15 — The Year Everything Resets 🔄

is in the middle of laying out the blueprint for an entirely new kind of society. is about to into the , and before they do, God wants them to understand something radical: the economy they're building won't run on accumulation. It will run on release.

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What Does the Bible Say About Debt?

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Every 50 years, Israel was supposed to cancel all debts and return all land. They called it Jubilee. Leviticus 25.

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What comes next is an economic vision that runs against every instinct of self-preservation. Mandatory debt cancellation. Generosity that ignores the calendar. that comes with a care package. And a rhythm of giving back to God that shapes everything else. If you've ever wondered what it looks like when an entire community is built around open-handedness instead of self-protection — this is it.

Every Seven Years, Cancel It All 💰

opened with a rule that would have made every creditor in the ancient world nervous. He told the people:

"At the end of every seven years, you will grant a release. Here's how it works: every creditor must forgive what they've lent to their neighbor. You can't demand repayment from your fellow Israelite — because the LORD has proclaimed a release. You may still collect from a foreigner, but whatever your brother owes you? Let it go.

And here's the thing — there shouldn't even be poor people among you. The LORD will bless you so abundantly in the land he's giving you as an Inheritance that poverty shouldn't exist — if you will fully obey the LORD your God and follow through on everything he's commanding you today. He will bless you just like he promised. You'll lend to many nations but never need to borrow. You'll have influence over many nations, and none of them will have that kind of hold over you."

Sit with that for a second. Every seven years — a complete debt reset. Not a reduced interest rate. Not a restructured payment plan. A full release. Imagine if that existed today. Student loans, medical bills, credit card debt — all of it, wiped on a set schedule. It sounds impossible. But God was designing an economy where nobody stays buried forever. Wealth has a limit. Poverty has an expiration date. The whole system has a built-in reset button.

But notice the condition. The vision of "no poor among you" wasn't a blank — it was tied to . If the community truly followed God's instructions, the would be so abundant that poverty wouldn't have room to take root. The reset wasn't just financial. It was an act of trust — trusting that the God who provided once would refill what you just released.

Don't Talk Yourself Out of Generosity 🤲

Now addressed the thing everyone was already thinking. Because there's always a loophole, right? And human nature always finds it. Moses said:

"If anyone among you becomes poor — in any of your towns, in the land the LORD your God is giving you — do not harden your heart or close your hand against them. Open your hand. Lend them whatever they need, whatever it takes.

And watch out for this — don't let an unworthy thought creep into your heart. Don't look at the calendar and think, 'The seventh year is almost here. If I lend this now, I'll never get it back.' Don't look at your struggling brother with resentment and give him nothing. Because if you do that, he will cry out to the LORD against you, and it will be counted as sin.

Give freely. Give without grudging. Because when you do, the LORD your God will bless everything you put your hand to — every project, every effort, every venture.

The poor will never completely disappear from the land. That's reality. And that's exactly why I'm commanding you: open your hand wide to your brother, to the needy, to the poor around you."

Here's the part that cuts deeper. God anticipated the internal negotiation — the one we all do before every act of generosity. You know the one. "Can I really afford this?" "What if they waste it?" "The timing isn't great." "Is this really my responsibility?" Moses called that calculation out by name. He said the problem isn't in your wallet — it's in your heart. The word the Hebrew uses for "unworthy thought" is beliyyaal — and the reluctance to give when the math doesn't work in your ? God sees that, and he calls it .

And then verse 11 — it's worth pausing on. "The poor will never cease to be in the land." That's not cynicism. That's honesty. God wasn't a utopia where nobody ever struggles. He was saying: because need will always exist, generosity must always exist too. You don't get to wait until poverty is solved to start being generous. The need is the reason for the command.

Freedom With a Future 🔓

This next section deals with something that makes modern readers uncomfortable — and it should. Servitude in the ancient world was a reality, often driven by poverty. Someone who couldn't pay their debts might sell themselves into service to survive. What laid out here wasn't an endorsement of that system. It was a set of radical limits on it. He told them:

"If a fellow Hebrew — man or woman — enters your service, they will serve for six years. But in the seventh year, you will set them free.

And when you do — don't send them away empty-handed. Provide for them generously. From your flock, from your threshing floor, from your winepress. As the LORD your God has blessed you, give to them.

Remember this: you were slaves in Egypt. And the LORD your God redeemed you. That's why I'm commanding you to do this today.

But if the person says, 'I don't want to leave — I love you and your household, and I'm better off here with you,' then take an awl and pierce their ear against the door. They will serve you permanently. The same applies for a female servant.

And don't resent letting someone go free. Think about it — they served you for six years at half the cost of a hired worker. The LORD your God will bless everything you do."

Two things stand out here. First: with . God didn't just say "let them go." He said "load them up on the way out." This is basically a divinely mandated severance package. Because freedom without resources isn't really freedom. Opening a door means nothing if the person walking through it has nowhere to go and nothing to start with. God cared about what came after the release, not just the release itself.

Second: the ear-piercing. This sounds strange to us, but it was a public, permanent declaration. If someone loved their master's household so much that they chose to stay voluntarily — not out of obligation, but out of genuine belonging — they could mark that choice permanently. It's a picture of what it looks like when service stops being a burden and becomes a home. And it had to be the servant's choice. Nobody could force it.

And notice the motivation God kept coming back to: "Remember that you were slaves in ." Every time was to hold too tightly to power, wealth, or control over another person, God pointed them back to their own story. You know what it feels like to be owned. So act differently. The memory of your own should change how you treat everyone beneath you.

The First and Best Belong to God 🐑

closed this chapter with one final instruction — and it's about where generosity starts. He said:

"Every firstborn male from your herds and flocks — dedicate it to the LORD your God. Don't put the firstborn of your cattle to work. Don't shear the firstborn of your sheep. Bring them before the LORD and eat them with your family, year after year, at the place the LORD chooses.

But if the animal has any defect — if it's lame, blind, or has any serious blemish — don't sacrifice it to the LORD your God. Eat it at home instead. The ritually impure and the ritually pure alike can eat it, as if it were a gazelle or a deer. Just don't eat its blood — pour it out on the ground like water."

This is about — giving God the first and best, not the leftovers. In an agricultural society, your animals were your most valuable assets. They represented future breeding stock, future income, future security. And God said: that one's mine. Don't work it for your own profit. Don't shear it for your own gain. Bring it to me first.

The principle underneath is simple but hard to live out: when you give God the first portion, not the remainder, it reshapes your entire relationship with everything you have. It's the difference between giving God whatever's left over after you've taken care of yourself and giving him the first cut before you even know what you'll need. One is gratitude. The other is trust. And the defective animal rule reinforced it — don't offer God the one you wouldn't want anyway. That's not generosity. That's cleanup.

The whole chapter builds to this. Cancel debts. Open your hands to the poor. Set people free with . And give God the first and best of what he's already given you. Every single instruction points the same direction: hold loosely. Give freely. Trust that the God who provided once will provide again.