Owe no one anything, except to love each other, for the one who loves another has fulfilled the law (Rm. 13:8).
While the interpretations of the apostle’s command to the church at Rome, “Owe no one anything, except to love one another,” are many, his purpose can be surmised in the verses that follow his exhortation. And though it is wise not to owe any man anything at all, e.g. lent money, etc., and to pursue such lack of indebtedness is a godly pursuit, that particular debt is not what the apostle is speaking about chiefly, though it cannot be discounted totally.
The debt about which the apostle is speaking particularly is the debt of sin or transgression. For the apostle’s command, “Owe no one anything,” is fulfilled by the command, “Love one another.” This is the same debt that Christ speaks about in his model prayer where he says, “Forgive us our debts as we also have forgiven our debtors” (Mt. 6:12). The idea is the same as that which the apostle presented in the previous section of his discourse, namely that we as Christians have an obligation to our fellow men to obey the law, be it God’s law or a government’s law, and we are to pay our debts according to the law, be it taxes or honor (cf. Rm. 13:7). Therefore, the Christian is a debtor in this life to the laws under which he finds himself.