What are the ways to repay debts in the afterlife?

The main methods of repaying debts to the underworld are as follows: 12 Directly paying paper money and gold ingots. By burning paper money and gold ingots to symbolically repay the debt. Doing good deeds and accumulating virtue. By doing good deeds to accumulate merit, thus offsetting the debt. Donating to temples and Taoist monasteries, and supporting religious personnel. By donating to temples or monasteries, or supporting religious staff to repay the debt. Volunteering. Doing volunteer work at temples and monasteries, and repaying the debt through service. Practicing the Three Jewels' teachings and serving people. By cultivating and helping others to repay the debt. It should be noted that some people do not need to repay debts to the underworld, such as monks, nuns, Taoist priests, those who have vowed to devote their lives to the Three Jewels, and laypeople who practice the Three Jewels' teachings and live by the path of cultivation. During the process of repaying debts to the underworld, one needs to maintain a sincere and reverent mindset, and respect traditional customs.