What is Sai Baba's teaching regarding taking on debt, especially for religious activities like pilgrimages?

The source material from Chapter 28 of the Sai Satcharitra contains a very direct teaching on the matter of debt. It explicitly states that Sai Baba did not approve of devotees indebting themselves for any reason, including for a pilgrimage. The text presents this in verse form, saying, "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." This highlights Baba's practical guidance, emphasizing financial prudence and discouraging devotees from placing themselves under financial hardship, even for what might be considered a pious act.