Surety
Commonplace –
“He that is surety for a stranger shall smart for it: and he that hateth suretyship is sure” (Proverbs 11:15).
Being in debt is like being shackled. It illustrates another example how something that existed in the ancient times – debt – has not changed in character and remains the same today. Yet Proverbs 11:15 records that there is something worse than debt itself; surety or guaranteeing a loan for someone, especially a stranger.
I’m not aware of anyone I know who would guarantee -or co-sign- a loan for a stranger; it’s extremely risky. However, I am aware of situations where people have guaranteed loans for family members and friends. Yesterday, I read an article on the internet of a woman who cosigned a college loan for a friend years ago; now the friend has stopped making payments. The guarantor was seeking advice from the internet on how to handle the situation, and it was a very sad story. Not only must the guarantor scramble to cover the payments, but the friendship is likely ending over it.
In his Commentary, Matthew Henry notes that Christ was surety for us and was wounded for it.
“Our Lord Jesus was surety for us when we were strangers, nay enemies, and he smarted for it; it pleased the Lord to bruise him” (698).
Finally, Henry offers the following for consideration:
“…he that resolves against all such suretiship keeps upon sure grounds, which a man may do if he take care not to launch out any further into business than his own credit will carry him, so that he needs not ask others to be bound for him” (698).
Wise counsel indeed.
Works Cited
Henry, Matthew. “Proverbs 11:15.” Matthew Henry’s Commentary On the Whole Bible: New Modern Edition. Volume 3 and Volume 6, Hendrickson Publishers, Inc., March 1996.
Holy Bible: Giant Print with Study Aids. Dugan Publishers, Inc., 1984.
© 2026 Angela Hormberg

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