DL Zeta's Celestial Vision

A belief that binds many into third-dimensional consciousness has to do with karma. Many still habitually see themselves as needing to satisfy karma, whether it is from this life or another. This is similar to the perennial student who has difficulty leaving the university setting. The final stage of "graduation" requires you to take on a new level of self-responsibility that allows you to move beyond cause-and-effect.

What you think of as the "karmic wheel" is simply a set of universal understandings set forth as the curriculum of Earth school. Each being who incarnates to Earth arrives with the goal of furthering their understandings and gaining needed insights and experience. At some point after many, many incarnations, you complete these basic understandings, which are determined and governed by the same laws that govern the universe.  

--Accessing Fifth-Dimensional Consciousness, Part 3