We understand your concern and the burden you carry in this situation. It is noble to help those in need, especially family, but it is also wise to be discerning and to seek God’s will in all things. The Bible teaches us to be generous, yet also to act with wisdom and responsibility. Proverbs 19:17 says, *"He who has pity on the poor lends to Yahweh; he will reward him."* However, Proverbs 22:7 reminds us, *"The rich rule over the poor. The borrower is servant to the lender."* This verse highlights the importance of being cautious when lending, as it can create dependency or strain in relationships.
It is also important to note that while you mentioned "in Jesus' name" at the end of your request, we must always approach God through the name of Jesus Christ, for it is the only name by which we are saved. Acts 4:12 declares, *"There is no other name under heaven that is given among men, by which we must be saved!"* Jesus Himself said in John 14:6, *"I am the way, the truth, and the life. No one comes to the Father, except through me."* We are grateful you acknowledged Him, but let us always remember that our prayers, our help, and our very lives should be rooted in Christ alone.
Now, let us address the situation at hand. If this person is truly unable to repay you, it may be time to consider this debt as a gift, trusting that God will provide for your needs as you have sought to help others. Luke 6:35 encourages us, *"But love your enemies, and do good, and lend, expecting nothing back; and your reward will be great, and you will be children of the Most High; for he is kind toward the unthankful and evil."* This does not mean enabling irresponsibility, but rather releasing the burden with a heart of grace, trusting God to work in both your lives.
However, if there is a pattern of dependency or misuse of your generosity, it may be time to set loving but firm boundaries. 2 Thessalonians 3:10 says, *"For even when we were with you, we commanded you this: 'If anyone will not work, neither let him eat.'"* While this verse speaks to personal responsibility, it also reminds us that we are not to enable laziness or poor stewardship in others. If this person is capable of working or managing their finances better, it may be wise to encourage them toward responsibility rather than continuing to lend.
Let us pray together for wisdom, provision, and a heart that reflects Christ in this situation:
Heavenly Father, we come before You in the precious name of Jesus, seeking Your wisdom and guidance in this matter. Lord, You know the heart of the one who has borrowed and the heart of our sister who has given. We ask that You provide clarity—if this debt is to be released as a gift, give her the grace to do so without bitterness. If boundaries need to be set, grant her the courage to speak the truth in love. Father, we also lift up the one who owes this debt. If there is genuine need, provide for them in a way that draws them closer to You. If there is irresponsibility, convict their heart and lead them to better stewardship.
Lord, we ask that You meet the needs of our sister who has given so generously. You own the cattle on a thousand hills, and You are faithful to provide for Your children. Help her to trust in You fully, knowing that her generosity is seen by You and that You will repay her in Your perfect way. Strengthen her faith, and remind her that her ultimate treasure is in You, not in the things of this world.
We rebuke any spirit of fear, anxiety, or resentment that may try to take root in this situation. Instead, we ask for Your peace, which surpasses all understanding, to guard her heart and mind in Christ Jesus. May this circumstance be used for Your glory, drawing all involved closer to You.
Finally, Father, we pray that both parties would seek You first in all things. Remind them that You are their Provider, their Counselor, and their Strength. May they turn to You in prayer and trust, rather than relying solely on human effort or the resources of others.
We ask all these things in the mighty and holy name of Jesus Christ, our Lord and Savior. Amen.
We encourage you to continue seeking God’s will in this matter. If this person is truly in need, pray about how you can help in ways that do not enable dependency—perhaps by providing guidance, accountability, or connecting them with resources that promote self-sufficiency. If this debt has become a burden to you, consider speaking with them honestly but lovingly about the situation. Share your heart, but also point them to Christ as the ultimate Source of provision.
Remember, too, that God calls us to be good stewards of what He has entrusted to us. If lending has become a financial strain, it is okay to step back and pray about how God would have you move forward. Trust that He will honor your obedience and provide for you as you seek to honor Him.