For many of us, this year has been a “waiting for something to happen” year. Many entered the year with great hopes. If you owed a Federal Student Loan, I expect you were hoping that the campaign promises of debt forgiveness would come true. Your debt burden is probably not something you’ll forget in a big hurry.

If you were getting ready to go to college or technical school, you hoped all the noise about free education would come true. If you were a parent of one of the above, you probably were hoping for any relief, particularly if you had erred by cosigning for your children’s student loan.

I started the year figuring it would be another year of helping people avoid college debt and getting their debt paid down. Like many of you, reality hit along the way. The promised loan payoff kept getting put off. The idea of free school hasn’t seemed to pan out except at the Community College level (which is not a bad thing). And I went on a hike with others from our local senior center, had some shortness of breath, and wound up having coronary bypass graft surgery.

Well, tomorrow is 2023. We have a fresh start in front of us, and I’m optimistic. You might ask why, so I’ll tell you. God is still on the throne. He has promised to care for us, and we can depend on that. He can also help us redeem our mistakes (like overlarge school loans?). We need to depend on him, not political promises, not refinancing techniques, not insolvency, not scammers who promise a clean slate, and not even the gumption to work through the loans until they are paid off. We need to depend on God.

God has promised never to forsake us (Hebrews 13:5). You can cast your cares (including your school loans) on Him (1 Peter 5:7). God wants you to depend on Him. Before trying other things, ask Him for help. He has cared for me many times, and I know He is dependable. In my book, Say No! To College Debt, I also put examples of ways God provided for schooling costs for many people. In addition, He brought me through my surgery and has prepared me for the upcoming year (including more hikes). We can depend on Him.

Thanks for reading. Please share this with anyone you know whom it might help.

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