Krista Lynn Campbell


I approached the librarian to collect my copies. My bill totaled $1.00. As I handed her a twenty-dollar bill, she pointed to a handwritten sign. We do not accept $20 bills.

Embarrassment settled around me. I questioned my fellow library patrons. Do you have change for a twenty? With no help available, the librarian gave me permission to leave and come back later with change. She wrote my name and behind it added: $1.00.

My debt.

I despised the feeling. I disliked my name on her debtors’ list. Perhaps I could find enough change if I rummaged through my car?

While I contemplated my choices, an elderly gentleman asked me how much I owed? Then placed a dollar bill in my hands. Tears welled up. No, no that’s not necessary, I pleaded. He insisted and told me to do something nice for someone. I nodded, paid my debt, and walked to my car for a good cry.

My debt. Paid in full.

Jesus went to the cross and paid my debt on the first Easter. He  offered His sinless life in exchange for my sinful one. A debt too great to repay.

In the library, the kindness of a stranger covered my $1.00 debt. On the cross, the unconditional love of my Savior covered my sin debt for yesterday, today, and all my tomorrows.

God wrote Krista on His list and added Paid in Full. Debt free because Jesus paid it all. 

“Jesus paid it all, all to Him I owe; Sin had left a crimson stain, He washed it white as snow.”


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