Matthew 18:21-35 · 5-day study

The Debt You'll Never Owe Again

Going deeper on Joby Martin's sermon at Church of Eleven22 (Jacksonville, FL).

Week of Jul 12, 2026

Day 1 · FreeMatthew 18:21-22

First Impressions

When forgiveness feels impossible

Peter thought he was being generous. Seven times? That's once for every day of the week. Surely that's enough forgiveness for anyone. You can almost hear the pride in his voice when he asks Jesus, "Lord, how often will my brother sin against me and I forgive him? As many as seven times?"

Jesus's answer must have knocked the wind out of him: "I do not say to you seven times, but seventy-seven times." Some translations say "seventy times seven" — that's 490 times. Either way, Jesus isn't giving us a literal number to count. He's saying something far more radical: stop counting altogether.

Think about the person who came to mind when you started reading this. Maybe it's someone from years ago. Maybe it's someone you saw yesterday. The hurt is real. The offense happened. And here's Jesus telling you to forgive not just once, not just seven times, but to the point where you lose count. That feels impossible, doesn't it?

Here's what Jesus understands that we often miss: forgiveness isn't about the other person deserving it. It's about you being free from the prison of keeping score. Every time you replay what they did, every time you rehearse your case against them, every time you imagine the apology you'll never get — you're the one who stays locked up. They might be living their life completely unaware while you're carrying around a debt ledger that's crushing you.

Jesus knows this. That's why he doesn't just say "forgive more." He's saying "stop building your life around what someone owes you." Because as long as you're counting, you're not free.

Sit with this

  1. 1What does it feel like when you realize Jesus isn't giving you a number — he's telling you to stop counting altogether?

Journal prompt

Write about a time you kept score in a relationship. What did it cost you to keep counting? What would it look like to stop?

Days 2–5 are in the app

Carry Joby Martin's sermon through the whole week.

  1. 2

    Look Closer

    Understanding what you've been forgiven

  2. 3

    What It Meant Then

    The shocking contrast

  3. 4

    The Hard Question

    What unforgiveness costs you

  4. 5

    Carry It Forward

    Living as forgiven people

Start this study free

Free while in beta. Journal and ask questions as you go.

“Forgiveness is not the way of the world.”

Joby Martin

“Forgiveness is applying Christ's death on the cross as the full payment for sin's debt, so that sinner”

Joby Martin

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This study is an original devotional inspired by Joby Martin's message “Forgiveness - Impossible to Possible - Matthew S5E7” at Church of Eleven22. Watch the original sermon.