Student debt is a massive problem. Young people who go to university or college in Britain are given loans to help pay their tuition fees and living costs. Every year £16 billion is loaned to students. The value of outstanding loans is more than £105 billion. The Government forecasts the value of outstanding student loans will rise to £450 billion in the next 30 years. The average debt of a recent cohort of students, who have completed their courses, is £32,000. It is estimated that only 30% of current full-time graduates who take out loans will repay them in full.
In America the problem is even greater and has become an issue in the run up to the 2020 presidential election. The total U.S. student loan debt is more than $1.3 trillion and affects 44 million people. The average loan balance is $37,000 and increases every year because of interest charges. Today many Americans in their 20s, 30s and 40s consider themselves fortunate if their job pays them enough to make their student loan repayments. Some former students refer to their loans as a “debt sentence” which they will carry throughout their whole life.
The recent action of billionaire technology investor Robert F Smith has brought great joy to one class of students at Morehouse College in Atlanta, Georgia. Morehouse College was established soon after the American Civil War to provide education for black male students. Martin Luther King Jnr. was a student at Morehouse. When he was at the College to receive an honorary doctorate, Robert Smith told the students in the class of 2019 that he would pay their student loans. More than 400 students will benefit from this gift which will cost tens of millions of dollars. The College President said the gift will give the students “the liberty to follow their dreams.”
The biggest problem we all face is not financial debt but the debt we owe to God because of our sins. Every day this debt grows, and we can never repay it. The greatest act of love and generosity in the whole of human history was when Jesus, God’s Son, gave his life to pay the debt of our sins. Every day millions of people pray to God, “forgive us our trespasses as we forgive those who trespass against us.” When we confess our sins to God, and experience his forgiveness, he sets us free to live a new life in fellowship with him; the life for which we were created.
Many people are lonely, especially in the developed world. People are living longer than ever before and see their close friends and family die. Broken relationships, between husbands and wives and parents and children, mean that many people live on their own. At our work place or college we may be surrounded by people but at the end of the day we return to our homes and are alone. Almost 50% of people in America say they feel alone or left out always or sometimes. It is not only the elderly who feel lonely, many young people are lonely. Even those who have many “friends” on social media miss meaningful human friendship and companionship.
A new pet robot called Lovot, has been designed in Japan to be a comforting presence for lonely elderly people. It uses Artificial Intelligence and facial recognition and will be on sale in the USA next year for more than $5000. It has cartoon eyes and furry arms and doesn’t speak or respond to commands. It has been designed to respond to those who talk to it and hug it and it gravitates to those who show it most love. Its designer says, “We try to train people with the power of love to be ready for loving something else.” He claims Lovot will make people “truly happy.” However, after 50 minutes activity Lovot needs to be recharged!
Human relationships are important because God is a personal God. The Bible teaches us there is only one God and that within the godhead there are three “persons”, the Father, the Son and the Holy Spirit, who are bound together in a relationship of eternal love. God has created us as relational beings with an innate capacity to love God and one another. The greatest commands God has given us are profoundly relational. We are to love God with all our heart, with all our soul, and with all our strength and also to love our neighbour as we love ourselves. When we love God and each other we experience the joy and fulfilment God created us to know.
When we pray we are talking to the living God who hears us, loves us and knows all our needs. He is always with us. Jesus taught his disciples to pray, “Our Father in heaven, hallowed be your name. Give us today our daily bread and forgive us our trespasses as we also forgive those who trespass against us. And lead us not into temptation but deliver us from the evil one.”
On 4 April 1968 Dr Martin Luther King Junior was assassinated. He was just 39 years old. He was a great civil rights leader who spoke for black people in America. At the age of 35 he received the Nobel Peace Prize and in 1963 was named Man of the Year by Time magazine. He travelled extensively and spoke passionately highlighting the injustices black people in America were suffering. He was a Baptist minister who found inspiration for his powerful speeches in the great themes of the Bible, and especially the teaching of Jesus Christ. Because of this Dr King still speaks to the injustices of our divided world.
His best-known speech, “I Have a Dream”, was delivered on 28 August 1963 at the Lincoln Memorial in Washington D.C. In his speech Dr King said, “I have a dream that one day this nation will rise up and live out the true meaning of its creed: ‘We hold these truths to be self-evident, that all men are created equal.’ I have a dream that my four little children will one day live in a nation where they will not be judged by the colour of their skin but by the content of their character. I have a dream that one day ‘every valley shall be exalted, and every hill and mountain shall be made low, the rough places will be made plain, and the crooked places will be made straight; and the glory of the Lord shall be revealed and all flesh shall see it together.’ When this happens we will speed up that day when all of God’s children will be able to join hands and sing in the words of the old Negro spiritual: ‘Free at last! Free at last! Thank God Almighty, we are free at last!’”
Dr King knew there were serious threats to kill him. The same hope in God he inspired in others was also the foundation for his own personal hope. On the night before he died he gave a speech in Memphis, Tennessee, in which he said, “Like anybody, I would like to live a long life. But I’m not concerned about that now. I just want to do God’s will and he’s allowed me to go up to the mountain and I’ve looked over and I’ve seen the Promised Land. I may not get there with you. But I want you to know tonight, that we, as a people, will get to the promised land! And so I’m happy, tonight. I’m not worried about anything! I’m not fearing any man! Mine eyes have seen the glory of the coming of the Lord!”
What do you do when you lose everything? Pictures of the devastation wrought by Hurricane Irma on islands in the Caribbean, such as Barbuda and the British Virgin Islands, are heart-breaking. People have lost their homes and all their possessions. They were helpless in the face of the power of the hurricane. When reporters talked to them you could see the shock and bewilderment on their faces as they looked at the ruins of what was once their home. Re-establishing normal life again is a daunting task. Some, however, said that, although they have lost everything, they are thankful to God that they and their loved ones are alive.
In America people have been remembering the events of the 9th September 2001, when the attacks on the Twin Towers of the World Trade Centre in New York killed 2,997 people and injured more than 6000 others. The total collapse of the towers stunned all who witnessed it and those around the world who saw the pictures. Hearing the stories of those who lost loved ones in the attacks brings home their sense of absolute helplessness as, in the minutes after the attacks, they spoke on the telephone to relatives who were trapped in the towers with no possibility of escape. All they could do was tell each other “I love you” and pray.
The Bible tells the story of a man called Job. He was a blameless and upright man who feared God. He had seven sons and three daughters, and owned thousands of sheep, camels, oxen and donkeys. He also had many servants. On the same day, all his animals were stolen or killed by lightning and all his sons and daughters died as the house in which they were enjoying a meal together was struck by a tornado and collapsed. He lost everything. When the news of these devastating events came to Job, he tore his robe and shaved his head and fell to the ground in worship saying, “Naked I came from my mother’s womb, and naked I will depart. The Lord gave and the Lord has taken away; may the name of the Lord be praised.”
Devastating loss is not a sign of God’s displeasure or an indication that those who experience it are worse people than others. We can pray for those who are seeking to rebuild their lives that God will give them the strength they need and also that he will make us truly thankful for all the blessings he has graciously given us.
Scientists at the University of California have developed a remarkable new treatment for infants who have been born with congenital cataracts. The scientists removed the damaged lens and used the patient’s own stem cells to regrow a “living lens” in their eye. In just 3 months the regenerative stem cells have grown into a new, fully functioning and transparent lens. The procedure was successful in all 12 infants under the age of 2, and was without complication compared to the traditional use of plastic lens. The treatment has real potential to be used for other eye conditions.
I remember seeing a programme about North Korea. Eye surgeons from America had gone to the country to perform cataract operations on many patients. When the bandages were taken off the people were full of joy that they could see again. The first thing they saw was a large photograph of their President and they immediately began enthusiastically to give thanks to him for restoring their sight. They knew that, if they were not enthusiastic in their praise, their lives would be in danger. It was very sad.
Our bodies are a masterpiece of God’s creative wisdom and power. In Psalm 139 David reflects on the way God had created him and given him life. “For you created my inmost being; you knit me together in my mother’s womb. I praise you because I am fearfully and wonderfully made; your works are wonderful, I know that full well. My frame was not hidden from you when I was made in the secret place, when I was woven together in the depths of the earth. Your eyes saw my unformed body; all the days ordained for me were written in your book before one of them came to be. How precious are your thoughts about me, O God! How vast is the sum of them!”
Thankfully we are free to recognise the goodness and kindness of God who blesses us in countless ways. So we must be careful not to close our eyes to the glory of God revealed in the creation around us and especially in his Son, Jesus Christ. One hymn encourages us to ask God to open our eyes to see his truth. “Open my eyes, that I may see, glimpses of truth thou hast for me; place in my hands the wonderful key that shall unclasp and set me free. Silently now I wait for thee, ready, my God, thy will to see. Open my eyes, illumine me, Spirit divine!”
The scale of the United States of America’s debt is staggering. A fierce battle has been fought in the Senate and Congress about raising the ceiling for the national debt from $14.3 trillion to $16.7 trillion. Successive American administrations have overspent. Raising the debt limit has implications not only for Americans but also for all of us. If the increase is not agreed then the richest nation in the world will not be able to pay its bills. In the past investors have assumed that America is a very safe place to put their money and that the dollar is the most secure currency, but now that confidence has been seriously undermined.
Not all Americans are wealthy. There are great contrasts between the rich and poor. But life in America is very different from the experience of millions of people around the world who survive on just one dollar a day. The people affected by the famine in the Horn of Africa have even less, they have nothing, and some are losing even their lives.
When we are wealthy and doing well it is easy to forget God. As the Israelites prepared to enter the Promised Land Moses warned them not to forget God. He said, “You may say to yourself, ‘My power and the strength of my hands have produced this wealth for me.’ But remember the Lord your God, for it is he who gives you the ability to produce wealth. Be careful that you do not forget the Lord your God, failing to observe his commands, his laws and his decrees.” In America and Europe many have forgotten God and his moral laws. Secularism and materialism have turned the hearts and minds of many people away from God. They worship created things rather than the Creator. It is time for us to remember him and to thank him for all the good things he has given us.
Those who are poor and vulnerable often look to God for help and put their hope in him. God, who made the heavens and the earth, cares for them and hears their prayers. The Psalmist writes of God’s faithfulness, “He upholds the cause of the oppressed and gives food to the hungry. The Lord watches over the alien and sustains the fatherless and the widow.” As we face the problems of life we, too, can look to him for help and know that he hears our prayers.