“For I know the plans that I have for you,” says the Lord. “They are plans for good and not for disaster, to give you a future and a hope. Jeremiah 29:11 NLT
I pursued two degrees on a part-time basis, over a 15 year period, which resulted in owing a massive student loan. The monthly repayment of the two loans exceeded that of an expensive house mortgage. When I heard the expression, “six figures,” it certainly was not my salary that I thought about.
Meeting the qualifications for discharge of Student loan debt is extremely limited due to the stringent criteria. After all, it is a contractual agreement that the federal monies are to be repaid, and the borrower has a complete understanding and has agreed to begin repayment six months after graduating or terminating status as a full-time student.
In 2015, while on vacation, I experienced an injury to my knee from hyperextension. The inability to bear weight or walk did not match the minor injury that I sustained. I applied icepacks and elevated my leg without relief.
The Emergency Room physician instructed me to see an Orthopedic surgeon immediately upon returning home. As I left the hospital with a knee brace, crutches, and orders to remain non-weight bearing, I reflected on the physician’s emphasis to follow-up immediately with a specialist. I also recalled his vague explanation of the findings of the xrays.
At my initial appointment with the Orthopedist, he began to interview me for data regarding my medical history. “What do you do for a living?” I responded, “I have been a nurse for 37 years.” “Well your career as a nurse is over, I can schedule you for a knee replacement next week.”
As I viewed the xrays of both of my knees, I can remember the shock from looking at a “bone on bone” condition. As a nurse, I knew the cushiony cartilage, was missing from both of my knees. My comprehension of the diagnosis–“End Stage Osteoarthritis in Bilateral Knees”, which required surgical intervention left me feeling weak. My mouth felt as if it was full of cotton as I struggled to shake off the lethargy from the bitter diagnosis.
It has been four years since I was told that without the surgical intervention of total knee replacement, I would be wheelchair bound in two years. I currently use knee braces, and assistive devices on an as needed basis. My bathroom includes adaptive medical equipment to ensure safety. Even so, I still have the knees that I was born with and my student loan has been discharged.
Yes I have a permanent disability that prevented me from fulfilling my promising nursing career. However, I knew that God was fully aware of the circumstances that I would face with my disability. I prayed for guidance and the ability to have complete faith and trust in Him.
God’s promises are based on condition: IF we obey, THEN He will intervene and give us resolution to all of our problems.
My commitment to God involved adopting a healthy lifestyle, witnessing about the power and love of God to others through my Weblog, and learning financial management strategies to stop the vicious cycle of mismanaging money and the abuse of credit.
I know the distress of having an accumulation of debt that kept me awake and worried day and night.
I just wanted to be FREE!
Free from the devastation of impulsive spending habits.
Free from Debt where you have limited to no cash flow.
In the times of overwhelming circumstances, when our human minds are unable to see any solutions, Satan magnifies our problems to appear as utterly impossible. He wants us to view our situation from making prior mistakes as hopeless.
Just remember, in the Book of Revelation, God also lets us know: “I am the Alpha and the Omega–the beginning and the end,” says the Lord God. “I am the one who is, who always was, and who is still to come–the Almighty one.” Revelation 1:8 NLT
When we complete the “If you obey,” I can testify that God will provide.
Do not place limitations on God! He consistently fulfills All His promises.
God has given each of us a measure of Faith that we are to develop.
There is a journey for financial peace: Praying, Believing, Changing our Self-Destructive Behaviors, and Waiting patiently for God’s guidance and Divine Intervention. Be prepared for struggle; but with God all things are possible.
Challenge for today: Take an Online Financial/Debt Management Course.
Verses for today: Revelation 1:8 and Phillipians 4:13
Prayer for today: Dear God: I ask you to forgive me for mismanagement of money and credit. You are aware of the predicament that I have caused by sinning against you. I am ready for change. I am ready to rid myself of the excess material things that I have accumulated. I am asking you to have mercy on me and show me how to pay off my debt. In Jesus’ name, I pray. Amen.
Sonya Johnson Ruiz