Forgive us our debts

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.

All the lonely people

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.”