"Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law." (Romans 13:8 NIVUK)  A car loan is perhaps 3-5 years in length. Your mortgage may take 25-35 years, or more, to pay off. But, there is one debt you will never completely settle; that of loving the folk God brings into your life. And, oddly, if you manage that debt properly, it will accumulate interest, rather than diminish it.