What is Sai Baba's stated view on taking on debt to go on a pilgrimage?

The Shri Sai Satcharitra is unequivocal about Sai Baba's teachings on financial responsibility, especially concerning spiritual pursuits. Chapter 28 explicitly states that Baba did not approve of devotees incurring debt for any reason, including making a pilgrimage. The text clearly articulates this principle: "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This guidance, found in Chapter 28, underscores Baba's practical wisdom and his belief that spiritual life should not be built on a foundation of financial imprudence or distress.