I'll start by saying, what it doesn't mean.
What it doesn’t mean, is that God paid the ultimate sacrifice, so that you could owe him. There is no loan origination fee, no installment plan and at no time will He say, “You have to stay guilty or fearful of ever being worthy enough to receive my forgiveness.”
God paid it forward as a free gift. Guilt free. Shame free. Fear free. Debt Free.
The debt was paid to cover the sin of all humanity. All you ever have to do is accept it.
And they overcame him by the blood of the Lamb and the word of their testimony, and they did not love their lives to the death. - Rev 12:11 (NKJV)
If someone tells you, that you have to earn your way to salvation or that you have to do good work to be in good standing with God, then they are not a true teacher of Jesus' word. Being saved, "Born Again", is a free gift of grace and mercy, given to us by our Lord and our God, Jesus Christ.
For by grace you have been saved through faith, and that not of yourselves; it is the gift of God, not of works, lest anyone should boast. – Eph 2:8-9 (NKJV)
If you are in a "System" that tells you that you have to "DO" something to be "saved" or if you simply want to know more about God's truth - Reach out.