I will admit I’m in hock to the flesh and cannot conceive a payment plan that will get me out of debt anytime soon. Based on Paul’s struggle in the previous chapter “I do not understand what I do…” (7:15 ff) my guess is that Paul was paying down his debt his whole life as well. But putting to death the deeds of the body is not as much about freedom from the flesh as it is trusting that the cry “Abba! Father!” is heard no matter what. It’s like paying a mortgage on a house we get to live in as if it were our own even though the bank holds the note. But unlike human lenders the Lord doesn’t evict us if miss a payment and truth to be told the permanent dwelling is already deeded to us because of the down payment Jesus made on our behalf. So, yes, we are debtors but in debt forever to Christ and gladly so.