What is Sai Baba's teaching regarding financial debt, as mentioned in the context of the pilgrimage to Shirdi?

Chapter 28 of the Sai Satcharitra offers a very clear and practical teaching from Sai Baba regarding debt. The chapter notes that some devotees, facing a shortage of money, had taken a loan to make arrangements for their pilgrimage to Shirdi. Immediately following this observation, the author clarifies Baba's stance on the matter. The text states, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This shows that Baba strongly discouraged his followers from incurring debt, even for a pious and spiritual purpose like a pilgrimage, emphasizing the importance of financial responsibility.