What were Sai Baba's teachings regarding taking on debt for a pilgrimage?

The Shri Sai Satcharitra provides a clear teaching from Sai Baba on the matter of indebtedness. In Chapter 28, the story of Laxmichand is prefaced with a significant point. It is explicitly stated that "Taking loan for a pilgrimage - or going on pilgrimage with debt - Baba does not like indebtedness; this is the main teaching here." Although Laxmichand did go to Shirdi while in debt, the narrative uses this context to emphasize Baba's principle. This highlights that Baba valued financial responsibility and did not approve of devotees taking on loans, even for a sacred purpose like a pilgrimage. This important lesson is found in Chapter 28.