It isn't biblcial. There's no mention of such a place, there's no mention of 'working off sins', and after the resurection there is no mention of any place that could even be confused with purgatory.
"Luk 23:43 And Jesus said unto him, Verily I say unto thee, Today shalt thou be with me in paradise."
There is mention of being purified 'as by fire', and there is the inescapable business of the Maccabbees praying for the dead, and there's that bit about sins being forgiven "in this world or in the next".
Gehenna, kawaii. Jesus says "Gehenna". Gehenna IS Purgatory, and Hell. Go ask a Jew. Always has been.
And Jesus does too speak of paying off sins.
Remember the harsh lender who squeezes his debtor even after he has been let off the hook? What happens? He is thrown into the deepest dungeon and handed to the torturers to groan and to wail UNTIL EVERY LAST PENNY IS PAID. He isn't put to death. He suffers greatly for what he did, but there is an UNTIL in the parable, and there is a PAYMENT in the parable, meaning that ONCE the last penny is paid he is set free, after long suffering.
Remember that a translation of the Lord's Prayer is "forgive us our DEBTS, as we forgive our debtors".
Do the math.
It is very linear.
Sin is debt.
Debt can be forgiven by the Lord, and is, but if the debtor doesn't forgive the debts of his own debtors - if he does not do unto others as he would have done unto him - then he is bound and thrown to the torturers - not FOREVER - but UNTIL EVERY LAST PENNY IS PAID.
That was, and is, the Jewish notion of Gehinnom (Gehenna) and purging of sins. And Jesus didn't say "Hell". He said Gehenna.
It is right there in black and white.
If you look, it is obvious, and it is not complicated.
If you want to make it complicated, that is your right, but I think it is best not to multiply entities unneccessarily. Jesus used the Jewish concept of Hell/Purgatory. So, the Jews must be right on that one.
Not much more to say, really, from my perspective.
I don't see any reason to work at finding a way to contradict Jesus, given that he was God and all.