Elder Bruce C. Hafen has written, “The great Mediator asks for our repentance not because we must ‘repay’ him in exchange for his paying our debt to justice, but because repentance initiates a developmental process that, with the Savior’s help, leads us along the path to a saintly character” (The Broken Heart [Salt Lake City: Deseret Book, 1989], 149; emphasis in original).
-Brad Wilcox, "His Grace is Sufficient," BYU Devotional, July 12, 2011