Perhaps you’ve seen the ads on TV.
Got too many loans?
We’ll help you get one big loan that will have a lower total repayment than what you’ve got now because you’ll now be paying it off for the next few decades.
What if we think of Jesus like that?
We have a debt because of sin.
Jesus becomes our sin consolidation manager.
He’s got our debt under control, so we can get on with life.
No.
What he’s paid for, he owns.
And he paid for you.
That has to show here and now.
Owen Strachan expands on this theme at Desiring God.
An excerpt.
Even after we come to faith and our sin debt is fully and gloriously paid, we still have to attack sin. We still have to wake up every morning and fight it. We’re not in the red; we’re in the black. But we can’t be lax. We can’t live lazily, putting our sins into new file folders. There’s no part of a Spirit-indwelt Christian that approaches sin as if it’s here to stay. We can’t abide our defensiveness, our proud responses to the tentative suggestion that we might have hurt a friend by careless words. We don’t carve out space in our hearts for lust, soothing ourselves by telling us that since sexual desire is “natural,” it’s okay for us to be careless with our eyes. After conviction of sin by the Spirit, we won’t keep hanging out with friends who drag us down spiritually, convincing ourselves that we’re around them to minister to them.
mgpcpastor's blog 
A very sobering message, more hard work to come, and then … final relief.