What is Sai Baba's teaching about taking on debt for a pilgrimage, according to the provided text?

The text from Chapter 28 offers a very clear teaching on the matter of debt and spiritual journeys. It explicitly states that Sai Baba disapproved of devotees indebting themselves for such purposes. The verse reads, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This guidance emphasizes the principle of financial prudence, suggesting that one should not accumulate debt even for an act considered as sacred as a pilgrimage, highlighting a practical aspect of Baba's wisdom for his followers.