To no one owe ye, etc. There are those who think that this was not said without a taunt, as though Paul was answering the objection of those who contended that Christians were burdened in having other precepts than that of love enjoined them. And indeed I do not deny, but that it may be taken ironically, as though he conceded to those who allowed no other law but that of love, what they required, but in another sense. And yet I prefer to take the words simply as they are; for I think that Paul meant to refer the precept respecting the power of magistrates to the law of love, lest it should seem to any one too feeble; as though he had said, -- "When I require you to obey princes, I require nothing more than what all the faithful ought to do, as demanded by the law of love: for if ye wish well to the good, (and not to wish this is inhuman,) ye ought to strive, that the laws and judgments may prevail, that the administrators of the laws may have an obedient people, so that through them peace may be secured to all." He then who introduces anarchy, violates love; for what immediately follows anarchy, is the confusion of all things. [1] For he who loves another, etc. Paul's design is to reduce all the precepts of the law to love, so that we may know that we then rightly obey the commandments, when we observe the law of love, and when we refuse to undergo no burden in order to keep it. He thus fully confirms what he has commanded respecting obedience to magistrates, in which consists no small portion of love. But some are here impeded, and they cannot well extricate themselves from this difficulty, -- that Paul teaches us that the law is fulfilled when we love our neighbor, for no mention is here made of what is due to God, which ought not by any means to have been omitted. But Paul refers not to the whole law, but speaks only of what the law requires from us as to our neighbor. And it is doubtless true, that the whole law is fulfilled when we love our neighbors; for true love towards man does not flow except from the love of God, and it is its evidence, and as it were its effects. But Paul records here only the precepts of the second table, and of these only he speaks, as though he had said, -- "He who loves his neighbor as himself, performs his duty towards the whole world." Puerile then is the gloss of the Sophists, who attempt to elicit from this passage what may favor justification by works: for Paul declares not what men do or do not, but he speaks hypothetically of that which you will find nowhere accomplished. And when we say, that men are not justified by works, we deny not that the keeping of the law is true righteousness: but as no one performs it, and never has performed it, we say, that all are excluded from it, and that hence the only refuge is in the grace of Christ.

Footnotes

1 - The debt of love is to be always paid, and is always due: for love is ever to be exercised. We are to pay other debts, and we may pay them fully and finally: but the debt of love ever continues, and is to be daily discharged. -- Ed.

Owe no man anything - Be not "in debt" to anyone. In the previous verse the apostle had been discoursing of the duty which we owe to magistrates. He had particularly enjoined on Christians to pay to "them" their just dues. From this command to discharge fully this obligation, the transition was natural to the subject of debts "in general," and to an injunction not to be indebted to "any one." This law is enjoined in this place:
(1) Because it is a part of our duty as good citizens; and,
(2) Because it is a part of that law which teaches us to love our neighbor, and to "do no injury to him," Romans 13:10.
The interpretation of this command is to be taken with this limitation, that we are not to be indebted to him so as to "injure" him, or to work "ill" to him.
This rule, together with the other rules of Christianity, would propose a remedy for all the evils of bad debts in the following manner.
(1) it would teach people to be "industrious," and this would commonly prevent the "necessity" of contracting debts.
(2) it would make them "frugal, economical," and "humble" in their views and manner of life.
(3) it would teach them to bring up their families in habits of industry. The Bible often enjoins that; see the note at Romans 12:11; compare Philippians 4:8; Proverbs 24:30-34; 1-Thessalonians 4:11; 2-Thessalonians 3:10; Ephesians 4:25.
(4) Religion would produce sober, chastened views of the end of life, of the great design of living; and would take off the affections from the splendor, gaiety, and extravagances which lead often to the contraction of debts; 1-Thessalonians 5:6, 1-Thessalonians 5:8; 1-Peter 1:13; 1-Peter 4:7; Titus 2:12; 1-Peter 3:3, 1-Peter 3:5; 1-Timothy 2:9.
(5) Religion would put a period to the "vices" and unlawful desires which now prompt people to contract debts.
(6) it would make them "honest" in paying them. It would make them conscientious, prompt, friends of truth, and disposed to keep their promises.
But to love one another - Love is a debt which "can" never be discharged. We should feel that we "owe" this to all people, and though by acts of kindness we may be constantly discharging it, yet we should feel that it can "never" be fully met while there is opportunity to do good.
For he that loveth - In what way this is done is stated in Romans 13:10. The law in relation to our neighbor is there said to be simply that we do no "ill" to him. Love to him would prompt to no injury. It would seek to do him good, and would thus fulfil all the purposes of justice and truth which we owe to him. In order to illustrate this, the apostle, in the next verse, runs over the laws of the Ten Commandments in relation to our neighbor, and shows that all those laws proceed on the principle that we are to "love" him, and that love would prompt to them all.

Owe no man any thing, but to love one another - In the preceding verses the apostle has been showing the duty, reverence, and obedience, which all Christians, from the highest to the lowest, owe to the civil magistrate; whether he be emperor, king, proconsul, or other state officer; here he shows them their duty to each other: but this is widely different from that which they owe to the civil government: to the first they owe subjection, reverence, obedience, and tribute; to the latter they owe nothing but mutual love, and those offices which necessarily spring from it. Therefore, the apostle says, Owe no man; as if he had said: Ye owe to your fellow brethren nothing but mutual love, and this is what the law of God requires, and in this the law is fulfilled. Ye are not bound in obedience to them as to the civil magistrate; for to him ye must needs be subject, not merely for fear of punishment, but for conscience sake: but to these ye are bound by love; and by that love especially which utterly prevents you from doing any thing by which a brother may sustain any kind of injury.

(9) Owe no man any thing, but to love one another: (10) for he that loveth another hath fulfilled the (g) law.
(9) He shows how very few judgments need to be executed, that is, if we so order our life as no man may justly require anything from us, besides only that which we owe one to another, by the perpetual law of charity.
(10) He commends charity as a concise statement of the whole law.
(g) Has not only done one commandment, but performed generally that which the law commands.

Owe no man anything,.... From the payment of dues to magistrates the apostle proceeds to a general exhortation to discharge all sorts of debts; as not to owe the civil magistrate any thing, but render to him his dues, so to owe nothing to any other man, but make good all obligations whatever, as of a civil, so of a natural kind. There are debts arising from the natural and civil relations subsisting among men, which should be discharged; as of the husband to the wife, the wife to the husband; parents to their children, children to their parents; masters to their servants, servants to their masters; one brother, friend, and neighbour, to another. Moreover, pecuniary debts may be here intended, such as are come into by borrowing, buying, commerce, and contracts; which though they cannot be avoided in carrying on worldly business, yet men ought to make conscience of paying them as soon as they are able: many an honest man may be in debt, and by one providence or another be disabled from payment, which is a grief of mind to him; but for men industriously to run into debt, and take no care to pay, but live upon the property and substance of others, is scandalous to them as men, and greatly unbecoming professors of religion, and brings great reproach upon the Gospel of Christ.
But to love one another. This is the only debt never to be wholly discharged; for though it should be always paying, yet ought always to be looked upon as owing. Saints ought to love one another as such; to this they are obliged by the new commandment of Christ, by the love of God, and Christ unto them, by the relations they stand in to one another, as the children of God, brethren, and members of the same body; and which is necessary to keep them and the churches of Christ together, it being the bond of perfectness by which they are knit to one another; and for their comfort and honour, as well as to show the truth and reality of their profession. This debt should be always paying; saints should be continually serving one another in love, praying for each other, bearing one another's burdens, forbearing each other, and doing all good offices in things temporal and spiritual that lie in their power, and yet always owing; the obligation to it always remains. Christ's commandment is a new one, always new, and will never be antiquated; his and his Father's love always continue, and the relations believers stand in to each other are ever the same; and therefore love will be always paying, and always owing in heaven to all eternity. But what the apostle seems chiefly to respect, is love to one another as men, love to one another, to the neighbour, as the following verses show. Love is a debt we owe to every man, as a man, being all made of one blood, and in the image of God; so that not only such as are of the same family, live in the same neighbourhood, and belong to the same nation, but even all the individuals of mankind, yea, our very enemies are to share in our love; and as we have an opportunity and ability, are to show it by doing them good.
For he that loveth another hath fulfilled the law; that is, not who loves some one particular person, but every other person besides himself, even his neighbour, in the largest sense of the word, including all mankind, and that as himself; such an one has fulfilled the law, the law of the decalogue; that part of it particularly which relates to the neighbour; the second table of the law, as the next verse shows: though since there is no true love of our neighbour without the love of God, nor no true love of God without the love of our neighbour; and since these two involve each other, and include the whole law, it may be understood of fulfilling every part of it, that is, of doing it; for fulfilling the law means doing it, or acting according to it; and so far as a man loves, so far he fulfils, that is, does it: but this is not, nor can it be done perfectly, which is evident, partly from the impotency of man, who is weak and without strength, yea, dead in sin, and unable to do any thing of himself; and partly from the extensiveness of the law, which reaches to the thoughts and desires of the heart, as well as to words and actions; as also from the imperfection of love, for neither love to God, nor love to one another, either as men or Christians, is perfect; and consequently the fulfilling of the law by it is not perfect: hence this passage yields nothing in favour of the doctrine of justification by works; since the best works are imperfect, even those that spring from love, for love itself is imperfect; and are not done as they are, in a man's own strength, and without the Spirit and grace of God. Christ only has fulfilled the law perfectly, both as to parts and degrees; and to him only should we look for a justifying righteousness.

Christians must avoid useless expense, and be careful not to contract any debts they have not the power to discharge. They are also to stand aloof from all venturesome speculations and rash engagements, and whatever may expose them to the danger of not rendering to all their due. Do not keep in any one's debt. Give every one his own. Do not spend that on yourselves, which you owe to others. But many who are very sensible of the trouble, think little of the sin, of being in debt. Love to others includes all the duties of the second table. The last five of the ten commandments are all summed up in this royal law, Thou shalt love thy neighbour as thyself; with the same sincerity that thou lovest thyself, though not in the same measure and degree. He that loves his neighbour as himself, will desire the welfare of his neighbour. On this is built that golden rule, of doing as we would be done by. Love is a living, active principle of obedience to the whole law. Let us not only avoid injuries to the persons, connexions, property, and characters of men; but do no kind or degree of evil to any man, and study to be useful in every station of life.

Owe no man anything, but to love one another--"Acquit yourselves of all obligations except love, which is a debt that must remain ever due" [HODGE].
for he that loveth another hath fulfilled the law--for the law itself is but love in manifold action, regarded as matter of duty.

Owe no man any thing, save to love one another. Not only pay all tribute due, but all that is due every man. Every obligation must be discharged. The church member, who makes debts and does not meet them, violates this command. Bengel says: "Pay every debt; let none remain due to any man, save that immortal debt of mutual love, which, though fully paid, is still forever due."
Hath fulfilled the law. He who loves his neighbor will not do to his neighbor any of the things forbidden by the law; will not steal, kill, commit adultery, bear false witness, covet, and hence his love fulfills the Mosaic law.
It is briefly comprehended. It is summed up in the single sentence Thou shalt love thy neighbour as thyself. The several laws that flow from love are gathered up in this saying as a fountain head.
Love worketh no ill, etc. Neither the ills forbidden in the commandments, not any other.
Love is the fulfilling of the law. Not the law, but law. There is no article in the Greek. All divine law is fulfilled by love. God requires nothing which is not comprehended in this word.

From our duty to magistrates he passes on to general duties. To love one another - An eternal debt, which can never be sufficiently discharged; but yet if this be rightly performed, it discharges all the rest. For he that loveth another - As he ought. Hath fulfilled the whole law - Toward his neighbour.