There is an even greater debt that each of us has that none of us could pay. It is the debt of our sin. The Bible actually uses the word debt to refer to our sin. And the countless ways we have offended a holy God have created that debt. Debt eventually must always be paid. So who will pay our debt? Can we pay it? We have nothing worthy to offer. So who does? God does. What does He have to offer to pay our debt? He can offer His sinless self, which he did.
Romans 5:8 - But God demonstrates His own love for us in this: While we were still sinners, Christ died for us.
In His love God paid our unpayable debt for us by becoming one of us and giving His life on the cross. All we have to do is believe to have that payment finalized for us.
Acts 16:31 - Believe in the Lord Jesus Christ and you will be saved.
What love He has shown to us. Our debt has been paid.