What is grace? That which is freely given. What is “freely given”? Given, not paid. If it was due, wages would be given, but grace would not be bestowed. But if it was really due, then you were good. But if, as is true, you were evil but believed on him who justifies the ungodly (What is, “who justifies the ungodly”? the ungodly is made righteous), consider what by right hung over you by the law and you have obtained by grace. But having obtained that grace by faith, you will be just by faith—”for the just lives by faith.”
~Augustine~
Historical Theology (Grand Rapids, MI; Zondervan; 2011) Chapter 23: Justification
The Old Guys 
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