Funny, I just finished preaching a sermon about exactly that yesterday.
Used the parable about the servant who owed the ten thousand talents (ludicrous money; probably about ten billion dollars if I did the math right, but the short version is that it’s an amount that no servant could repay). The sermon eventually spoke about forgiveness of our brothers, and how little the sin that we commit against each other is compared to the sin that we commit against the Lord.
But the point that matters is that in this thread is that in Jesus’ own words, the debt that we owe God CAN’T be repaid.
Correction: CAN’T be repaid except by the death and resurrection of Christ.