Debt, Credit Scores, and the New Slavery

Debt, Credit Scores, and the New Slavery

For a lot of people, the pattern is simple:

• Go to school on loans

• Get a car on payments

• Get a house on payments

• Put the gaps on credit cards

Then They tell you:

“Your credit score is your adult report card.”

What used to be rare is now normal. Debt isn’t just a tool—it has become a culture.

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Debt in Scripture: A Serious Thing

Scripture doesn’t treat debt like it’s nothing.

• “The borrower is servant to the lender.”

• Debts created real bondage.

• Jubilees and release were major events.

YAHUAH knows that money pressure can:

• Steal peace

• Strain families

• Distract from calling

Debt isn’t always sin, but it is always weight.

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How the System Traps You

Look at how Babylon plays it:

1. Teach no real financial wisdom in school.
2. Market debt as empowerment and freedom.
3. Normalize payments for everything.
4. Tie your identity and opportunities to a credit score.

So if you ever say:

“I want to step away. I want to move different.”

Debt whispers:

“You can’t. You owe us.”

That’s not freedom. That’s leverage.

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Credit Score: Tool or Chain?

A credit score in itself is not evil. It measures how faithfully you play Their game.

But when:

• You feel worthless because of a number

• You take on more loans just to “build credit”

• You stay in bad jobs or situations because of payments

…the tool has become a chain.

Your worth is not your score. Your future is not limited to Their system.

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Kingdom Mindset About Debt

In YAHUSHA, we’re called to:

• Pay what we owe with integrity

• Avoid unnecessary bondage

• Seek wisdom before signing anything

• Trust YAHUAH as Provider, not the credit line

Kingdom doesn’t say:

“Never use debt under any circumstance.”

But it does say:

“Count the cost. Refuse chains disguised as blessings.”

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Practical Steps Toward Freedom

1. Face the Numbers

Don’t run from statements. Lay it all out.

1. Stop Digging the Hole Deeper

Pause new debt unless it’s truly strategic and prayed through.

1. Make a Simple, Non-Complicated Paydown Plan

Smallest balance first or highest interest first—just be consistent.

1. Ask YAHUAH for Strategy, Not Just a Miracle

He can cancel debt, but He also wants to change patterns.

1. Learn How Money Actually Works

Study basics: budgeting, saving, investing, contentment.

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Heart Check: Why Do You Spend?

Under a lot of debt are:

• Insecurity

• Image pressure

• Trying to keep up

• Putting pressure on “future you” to fix “present you”

Ask the RUACH HAQODESH:

“Why do I buy what I buy? What am I trying to feel?”

Let Him heal the heart, not just the wallet.

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Final Call

You are not called to be a permanent servant to lenders. You are called to serve YAHUAH with a freer mind and lighter load.

You might not get out overnight. But you can turn today.

Debt is a system. YAHUSHA sets captives free—inside and outside of it.