I've long struggled with church debt, but have come to realize it is an investment in our community and God's plan. It is important to manage that debt properly and have an aggressive plan to pay off church loans. I think it's good for all!

Yes, I like the capital campaigns where they collect up-front. Historically, churches don't typically manage that debt well.


Church incomes are also hard to forecast too because of changes in pastors, high-level givers moving due to job transfers, church splits, etc. That too can make it hard to forecast accurately if the church can pay off the debt or not. Two things a church can do: 1) Beef up their savings to help prepare in case there are lean-giving times and 2) Analyze their income highs and lows and make servicing debt possible even if the church income were to go a bit below its lowest lows.