Romans 13:8 Owe no one anything, except to love each other, for the one who loves another has fulfilled the law. 9 The commandments, "You shall not commit adultery, You shall not murder, You shall not steal, You shall not covet," and any other commandment, are summed up in this word: "You shall love your neighbor as yourself." 10 Love does no wrong to a neighbor; therefore love is the fulfilling of the law.
We are commanded to pay people what we owe them in full in verse eight. The verb “owe” doesn’t mean we are not to borrow, but it does mean we are not to continue to owe someone and not pay up what we owe. We are to keep paying our monetary debts until they are paid in full. Love is not something we can pay up and say, “I have loved you enough to pay my debt to you and will not love you anymore.” We are commanded to continually love our neighbor as ourselves. Please notice that we express this love by obeying the commands to not commit adultery, to not murder, to not steal, to not covet and any other commands God has given to us. We express love to one another by obeying God’s commands (1 John 5:2; 2 John 6). Please notice also that God’s commands do not wrong anyone and that expressing love is the fulfillment of the Law of God. God’s Law was given to mankind, to reveal how we are to live without wronging other people.
Sin keeps us from obeying the Law and from expressing love to people. Jesus came into the world to save us from our sins (Matthew 1:21). When we repent of our sin and believe the gospel, then we receive the Holy Spirit and the capacity to love people (Mark 1:15; 1 Corinthians 15:3-4; Romans 10:9; Ephesians 1:13-14; Galatians 5:22-23).
Are you continuing to pay the debt of love you owe to all the people around you? When you repent of your sin and believe the gospel, then you have the capacity to continue paying on your debt of love That you owe to all the people around you. You have an unlimited amount of love in Christ. We express that love to people by obeying the teaching of Jesus (His commands – 1 John 5:2). We by faith in the Son of God (Galatians 2:20).