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Thought

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.

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Thought

A special place in heaven

Recently the President of the European Council, Donald Tusk, told journalists there was “a special place in hell” for those who promoted Brexit in the UK without having even a sketch plan for how to carry it out safely. It is very unusual to hear politicians talking about eternal issues, but Mr Tusk, who was the Prime Minister of Poland, grew up in the Roman Catholic Church where he would have been taught to fear God. However, the strange idea that people who disagree with our personal political vision will be punished by God for ever is entirely without basis.

The Bible does teach that our actions have consequences. We must all appear before the judgment seat of Christ, so that each of us may receive what is due to us for the things done while in the body, whether good or bad. People who escape being called to account in this life do not “get away with it” because God will judge them. Death does not pay all debts. Men like Adolf Hitler, Pol Pot and Jimmy Saville have been judged justly by God. He is the judge of all the earth, and he does what is right.

It is not only notoriously wicked people who are judged; we will all stand before God. The solemn truth is that we all sin every day of our lives. We do and say things we know are wrong. The Bible teaches that throughout all human history, there is no one righteous, not even one; there is no one who understands; there is no one who seeks God. All have turned away, we have together become worthless; there is no one who does good. Even our best actions are stained by pride and self-righteousness.

However, God has graciously intervened through his Son, Jesus Christ, to offer hope to all people. One of the best-known verses in the Bible says, “For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.” When he died on the Cross Jesus took the punishment we deserve and paid the price of our sins. All who put their trust in him receive the gift of eternal life. The night before he died Jesus told his disciples he was going to his Father’s house in heaven to prepare a place for them. How wonderful to know that Jesus has prepared a special place in heaven for unworthy people like us!