8 Owe no man any thing, but to love one another: for he that loveth another hath fulfilled the law.
As Paul begins to exhort the brethren concerning the debt of love that Christians owe one another, he said, “Owe no man any thing”. So, can we borrow money? The Bible allows lending and borrowing in times of real need (Deuteronomy 15:7-8; Psalm 37:26; Exodus 22:25). But it discourages us from being in debt, for a man’s debt would make him subservient to the lender (cf. Deuteronomy 15:6; 28:12, 44; Proverbs 22:7). The Bible also warns against taking responsibility for the debts of others (cf. Proverbs 6:1-5; 22:26-27). It is a sin to borrow and not repay (cf. Psalm 37:21). God does not want us to be under obligation to any because of unsettled debts.
Nevertheless, we must deem loving one another as our permanent debt and duty to others. This is not the first time Paul talked about love in his epistle to the Romans. In Romans 12:9-10, he described love as thus – “Let love be without dissimulation … Be kindly affectioned one to another with brotherly love”. So, we must recognise our debt of love.
We are spiritually obliged to love everyone as our verse says, “love one another”. Love must be extended, without discrimination, to all and sundry in the church and everywhere. Love is a debt which can never be settled. Even though we have been daily showing kindness to others, yet our debt of love can never be fully paid as long as there is an opportunity to do good.
How much do we owe others? As much as we love ourselves (cf. Romans 13:9b; Matthew 19:19; 7:12; Ephesians 5:28-29), and as much as God has loved us (cf. John 13:34-35; 15:12-13). Remember how God loved us when we were His enemies (cf. Romans 5:8)? That is how we ought to love others.
Paul also told us the reason for the debt of love – “for he that loveth another hath fulfilled the law”. Some think that the law and love are contrary to one another. Actually, they are in harmony with each other. Only by loving others can one be fully obedient to God’s moral laws. Galatians 5:14 says, “For all the law is fulfilled in one word, even in this; Thou shalt love thy neighbour as thyself.” James identifies loving others as the royal law - “If ye fulfil the royal law according to the scripture, Thou shalt love thy neighbour as thyself, ye do well” (James 2:8). Love helps us to fulfil God’s law. True love helps us to uphold the righteous laws of God.