What Christ’s Atonement Accomplished: WDJD? What Did Jesus Do?

My second year at college I made the mistake of trying to do too much. In addition to classes, homework and Church callings, I also had a job as a Janitor which began at 4:00 am. As a foolish 19 year old, I didn’t want to give any of these things up, so I didn’t get much sleep. By mid Semester I got strep throat and then mononucleosis. It was severe enough that I had to quit school and go home. This meant I had to pay back a grant I had received for $500.00. Since I didn’t have the money to pay this debt, my parents came to my rescue and paid it for me. This rescue came with conditions though, since I had to pay them back. Basically they re-financed my debt and gave me their “terms” for payment: which meant that I had to paint the house. I was very grateful for what they did because I wouldn’t have been able to pay my debt to the college.

The Preparing for Exaltation Lesson 4: “The Atonement of Jesus Christ” teaches your 12 and 13 year olds what Jesus did for them at the Atonement. Reading Boyd K. Packer’s parable of the Creditor and the Debtor (pages 17-22) reminded me of what my parents had done for me. Several years ago Packer gave a General Conference talk where he introduced this Parable which is used in several official Church manuals today. He teaches that through the Atonement, Jesus becomes our creditor. Similar to what my parents did for me in college, Jesus comes to our rescue and pays our debt of sin to Heavenly Father—but through this rescue our debt merely gets refinanced! We now have to pay our debt to Jesus!

The Parable tells the story of a foolish man who incurred a great debt. This debt is symbolic of the spiritual debt we owe to Heavenly Father for our sins. The foolish man couldn’t pay his debt so Jesus comes to his rescue and pays his debt for him. After Heavenly Father accepts His payment, Jesus turns to the man and says: “If I pay your debt, will you accept me as your creditor? ‘Oh yes, yes,’ cried the debtor. ‘You saved me from prison and show mercy to me.’ “Then, said the benefactor, ‘you will pay the debt to me and I will set the terms. It will not be easy, but it will be possible.”

Gospel Principles explains the meaning of this parable: “Our sins are our spiritual debts. Without Jesus Christ, who is our Savior and Mediator, we would all pay for our sins by suffering spiritual death. But because of him, if we will keep his terms, which are to repent and keep his commandments, we may return to live with our Heavenly Father.” (page 65)

President Packer did not learn this parable from the Bible. God’s Prophets do not teach that Christ became our Creditor–that His mission was to merely “refinance” our sin debt! To change the meaning of Christ’s Atonement in this way, one has to cause doubt concerning the credibility of the Bible. And that’s exactly what the Prophet Nephi did. Lesson 4 of the Book of Mormon: Gospel Doctrine Teacher’s Manual discusses “The Apostasy and the loss of many plain and precious parts of the Bible” (page 18). LDS prophets teach that Christ’s Atonement was one of those “precious parts” that Nephi prophesied would be lost: “What are some doctrines that are difficult to understand in the Bible but plain and precious in the Book of Mormon? (Answers may include the Atonement…”

I have such a passion to share the truth with you! I am Christ’s Ambassador and He has committed to me His “ministry of reconciliation” (2 Corinthians 5:18-21). In one way I am a “debt consolidation counselor”. My counsel to you is that your debt to sin has been canceled, not merely refinanced! When Jesus shed His blood on the cross he paid for every sin for the entire world! No more debt is left to be paid. Jesus doesn’t demand a “second payment” for sin, nor does He give you additional “terms” to be paid. Every single sin has already been paid for with the precious blood of Christ. Through His Atonement you are debt free!

On the cross Jesus cried out 'It is Finished!', in the Greek literally 'Paid in Full!'

On the cross Jesus cried out 'It is Finished!', in the Greek literally 'Paid in Full!'

In the book of John we read that just before Jesus died on the cross he exclaimed “It is finished!” In Greek this meant: “Paid in full”! This was also written on business documents or receipts during New Testament times to show that a bill had been paid in full. The connection between receipts and what Jesus had accomplished would have been very clear to John’s Greek speaking readers. It would be unmistakable to them that Jesus had paid the full price for their sins. You too can be sure that your bill listing your sin debt has been stamped “Paid in full”! Please, don’t reject this amazing gift through unbelief.

What did Jesus really do for you? So much more than what LDS prophets claim! Believe these beautiful words: “And all things are of God, who hath reconciled us to himself by Jesus Christ, and hath given to us the ministry of reconciliation; To wit, that God was in Christ, reconciling the world unto himself, not imputing their trespasses unto them; and hath committed unto us the word of reconciliation. Now then we are ambassadors for Christ, as though God did beseech you by us: we pray you in Christ’s stead, be ye reconciled to God. For he hath made him to be sin for us, who knew no sin; that we might be made the righteousness of God in him.” (2 Corinthians 5: 18-21)

All praise and glory to our Lord and Savior Jesus!

Links to Packer’s Parable Found at LDS.org:

Original Parable given by Boyd K. Packer:

Gospel Principles:

Preparing for Exaltation: Teacher’s Manual for 12 & 13 year olds:

Aaronic Priesthood Manual 3:

Friend, Mar 2004:

New Testament Gospel Doctrine Teacher’s Manual, Lesson 25: “Not My Will, But Thine, Be Done”:


  1. choosethechrist said,

    January 21, 2012 at 12:22 pm

    Gifts do not need to be repaid.

    Ephesians 2:8
    8 For it is by grace you have been saved, through faith—and this is not from yourselves, it is the gift of God—

    Thank You Jesus!

  2. latterdaysaintwoman said,

    January 21, 2012 at 1:24 pm


    Amen and amen! Our Savior gave His life freely! He did not do His part and then demand to be paid for what He did. His unconditional gift is why He is the love of my life. He alone deserves praise.

  3. wyomingwilly said,

    January 23, 2012 at 8:11 pm

    “Refinance ” ? That sounds like it was invented by some men who
    are attempting to pass off ” the precepts of men” as gospel truth.
    The Mormon people deserve better . May they dismiss their apostles
    for those who are more reliable as spiritual guides—- the ones in the
    New Testament.

Leave a Reply

Please log in using one of these methods to post your comment:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s