The Bible says in 1 Corinthians 10:13, “No temptation has overtaken you except what is common to mankind. And God is faithful; he will not let you be tempted beyond what you can bear. But when you are tempted, he will also provide a way out so that you can endure it.” One of the greatest challenges in the Black community is managing debt. The Black community has one of the lowest credit scores in the country. The way to avoid the temptation of credit card debt, pay day loans, and borrowing money from family and friends is to develop