Debt can feel like a heavy burden for professionals and married couples, often fueled by misconceptions that cloud judgment. At Akins Financial Coaching, we believe a faith-based approach can bring clarity. Romans 13:8 advises, “Owe no one anything, except to love each other,” yet this doesn’t mean all debt is evil—it’s how we manage it that matters. Let’s dispel common myths about debt, and see how coaching can guide you toward confident repayment with biblical wisdom.

Common Debt Misconceptions

Many believe debt is always a sign of failure, especially professionals striving for success or couples building a life together. Another myth is that all debt is unavoidable, leading to resignation. Some think high interest rates make repayment impossible, or that consolidating debt magically solves problems. These misconceptions can paralyze action. A coach can help you identify these false beliefs, offering a faith-centered lens to see debt as a challenge to overcome, not a life sentence.

Truths Grounded in Faith

Debt isn’t inherently wrong—Proverbs 22:7 warns of the borrower’s servitude, but also suggests wise borrowing can be managed. Professionals might use debt for career growth (e.g., education loans), while couples may leverage it for a home. The key is control, not avoidance. High interest can be tackled with a plan, and consolidation works only with discipline. Coaching provides personalized strategies, aligning your approach with biblical stewardship—seeing debt as a temporary tool, not a permanent trap, guided by prayer and practical steps.

Taking Action to Move Forward

Start today by challenging one misconception. If you think “I can’t repay this,” replace it with “With God’s help, I can plan my way” (Proverbs 16:9). List your debts, noting amounts and rates, then prioritize one to tackle. A coach can enhance this by designing a repayment strategy, offering accountability to stay on track. This step reflects 1 Corinthians 4:2’s call to be “found faithful,” turning myths into manageable realities with faith as your foundation.

How Coaching Brings Clarity

Navigating debt misconceptions is easier with support. Coaching helps professionals balance debt with career goals, while couples gain unity to address joint liabilities. A faith-centered coach integrates biblical encouragement with tailored plans, turning confusion into confidence. Ready to debunk your debt myths? Contact Akins Financial Coaching for personalized guidance. Start today, and thrive step by step with a partner who believes in your financial freedom.

Published: 06:45 PM EDT, Monday, May 26, 2025