Do you know that you should not owe anything, including debt?
As written you have downgrade your life if necessary to avoid debt. Downgrade is not always bad if no one force you to do it.
Personal debt is not permitted by bible, how about corporation ? In business as long as you can pay the interest rate with the results of your business, it is OK. In other words as long as your return on business is higher than the interest rate.
Better do some saving rather than pay the interest rate. Delay your pleasure to avoid debt.
May God bless us!
Note: There some chapter as you can find on the navigator bar, which I will update once I have ideas to be added.