What does Romans 13:8 mean?
What is the meaning of Romans 13:8?

Be indebted to no one

“Be indebted to no one” (Romans 13:8a) calls for a lifestyle free of lingering, unpaid obligations.

• Paul has just said, “Pay everyone what you owe him” (Romans 13:7), showing that believers should promptly settle taxes, wages, and obligations.

Proverbs 22:7 warns, “The borrower is slave to the lender,” and Psalm 37:21 adds, “The wicked borrow and do not repay, but the righteous show mercy and give.” Unpaid debts hinder generosity and tarnish witness.

• This is not a ban on legitimate borrowing (2 Kings 4 gives a godly widow permission to borrow jars). The point is to let no debt remain outstanding; honor commitments so that nothing clouds the testimony of Christ’s people.


except to one another in love

The one debt that never disappears is love: “except to one another in love” (Romans 13:8b).

• Jesus said, “A new commandment I give you: Love one another” (John 13:34). We never reach a point where we can say, “Paid in full.”

Galatians 5:13 urges, “Through love serve one another,” and 1 Peter 1:22 calls believers to “love one another deeply, from a pure heart.”

• Love is a permanent obligation because God keeps pouring His love into our hearts (Romans 5:5). The more we draw from His supply, the more we owe our brothers and sisters.


For he who loves his neighbor

Loving action is outward-facing: “For he who loves his neighbor” (Romans 13:8c).

• “You shall love your neighbor as yourself” was first given in Leviticus 19:18 and affirmed by Jesus in Luke 10:27. The parable of the Good Samaritan (Luke 10:36-37) widens “neighbor” to anyone God places in our path.

Romans 15:2 echoes, “Each of us should please his neighbor for his good, to build him up.” Practical kindness—visiting the sick, forgiving offenses, meeting needs—translates love from feeling into deed (1 John 3:18).


has fulfilled the law

Love reaches the goal Scripture aimed at all along: “has fulfilled the law” (Romans 13:8d).

• Jesus summarized the entire moral code with twin commands to love God and neighbor, adding, “On these two commandments hang all the Law and the Prophets” (Matthew 22:40).

• Paul repeats the idea in Romans 13:9, listing commandments against adultery, murder, theft, and coveting, then concluding, “all are summed up in this word: ‘You shall love your neighbor as yourself.’”

Galatians 5:14 and James 2:8 call this the “royal” or “entire” law: loving people prevents the sins those commandments forbid. Thus love is not lawless; it is law-keeping at its finest. When we walk in Spirit-enabled love (Galatians 5:16-18), we naturally honor every righteous requirement.


summary

Romans 13:8 teaches believers to leave no earthly debt hanging while gladly carrying one debt forever—the debt of love. By continually loving neighbors in tangible ways, we meet the true intent of God’s commandments and showcase the character of Christ to the world.

How should Christians interpret 'pay everyone what you owe him' in modern society?
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