“Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law. The commandments, “You shall not commit adultery,” “You shall not murder,” “You shall not steal,” “You shall not covet,” and whatever other command there may be, are summed up in this one command: “Love your neighbor as yourself.” Love does no harm to a neighbor. Therefore love is the fulfillment of the law.” (Romans 12:8-10, NIV) Paul’s love chapter in Romans 12 actually goes about halfway into Romans 13. The first seven verses exhort Christians to respect authority and to obey those in authority over them, because love is not rebellious or selfish. He encourages us to “give everyone what you owe them”, whether it be financial, social, or spiritual. (Taxes, revenue, respect, honor…) Who do you owe something to? Paul says we are to live as if we have a “continuing debt of love to one another.” Think for a moment about the people in your life; who are you indebted to? Is there anyone to whom you owe a heart-felt ‘thank you’, an apology, or a kind word? Is there anyone to whom you should express respect or honor? What is keeping you from completing that transaction? Paul then draws his logical progression of thought to a close with an important conclusion about love: it is debt-free. The law is based upon debt. When you break the law, you owe a penalty for what you did. It is only by paying the penalty that you can atone for your transgression and obtain pardon. The fundamental problem with sin and selfishness on a cosmic scale is that we accumulate more debt than we can repay, and God’s righteousness requires payment for justice to be served. “For the wages of sin is death; but the gift of God is eternal life through Jesus Christ our Lord.” (Romans 6:23) Love paid the debt, and Paul says the only way to keep from incurring further debt is to live in love. Once again he echoes the teachings of Jesus (how did he know so much about what Jesus taught without a printing press or even the internet?), who said, “Love the Lord your God with all your heart and with all your soul and with all your mind. This is the first and greatest commandment. And the second is like it: ‘Love your neighbor as yourself.’ All the Law and the Prophets hang on these two commandments.” (Matthew 22:37-39) Love fulfills the law in several ways. It offers payment for the penalty of the law; it offers freedom in the presence of the law; and it prevents our falling further under the power of the law. It’s not money or stuff that enables you to live debt-free, it’s only love. Go do something loving today. Send a word of encouragement. Mend an old fence. Say that ‘thank you’ to someone that you somehow forgot to say. Give a hug. Or just get down on your knees and remember who you were most indebted to, and who paid the debt.