Go to the ant, you sluggard; consider its ways and be wise!
It has no commander, no overseer or ruler,
yet it stores its provisions in summer and gathers its food at harvest. Proverbs 6:6-8
The writer of Proverbs describes the ways of the ant here. Why? Because the ant isn’t afraid to work hard to get more provisions, and he encourages the reader to do the same.
In the context of the last five verses on loans and co-signing, these two verses are significant for the person being given the loan. There is a principle here that is spelled out elsewhere in Scripture, “The rich rule over the poor, and the borrower is servant to the lender” (Proverbs 22:7). If you take a loan from someone else, you are indebted to that person.
So those who borrow money may be just as unwise as those who lend it. But if you’re the type who is working three jobs and would pay off the loan early because you really don’t want debt hanging over you, then it’s probably not so much of an issue at all.