When approached about finding contributors to the Journal of Lutheran Ethics around a topic which was and remains particularly relevant to millennials, student debt emerged as perhaps the most important distinguishing criteria setting this generation apart from predecessor generations. Sure, many theological topics remain high priorities in the life and witness of most millennials, yet there remains a deep concern about the sustainability of these priorities given the immense debt that so many have accrued. I will be the first to recognize that I am not a financial expert, nor a person particularly fraught with debt myself. As I remind myself, this is not my own doing, it remains a gift from God. With that quite Lutheran recognition, I found two lenses that should be helpful in discerning this topic—though I recognize this topic is not new to many.