Page 21 - August 2021 Issue.indd

student loan balances and their feeling that the degree was college level classes, this mode of instruction is not new. What
worth it. is new is the adjustment many students have made and will be
making will force colleges to make this method of instruction
82% of bachelor’s degree recipients with no debt say that their more available to more students with a broader menu of
education was worth the cost, compared with a third (33%) of
college graduates with $100,000 or more in student loan debt.
Student loan balances at graduation in excess of your fi rst-year

salary after graduation has been considered to be “excessive”
student loan debt. Or if your monthly student loan payment August 15, 11 AM
exceeds 10% of your monthly gross income your student loan
debt is considered “excessive”. And the longer the term of We’ll have the Pine Ridge Boys, a Southern
repayment of the student loan the more likely it will be that
the next generation of students will have an even tougher time Gospel group, led by Larry Stewart.
avoiding the student loan trap.
They will also sing for Sunday School at 10 AM
New parents of children are less likely to be able to save for
their children’s college education because funds that could be Calvary Baptist Church
put aside for their children is being used to pay their student

loan debt. I see this situation often as I deal with you families 1120 Market St., Denton • 410-924-6404

trying to buy their first home. They would love to put money www.calvarybaptistchurchofdenton.org
aside for their children’s education but are too busy digging Don Reynolds, Pastor
out from their own student loan hole. And the student loan 10 AM
forbearance currently in place will make this a more signifi cant Sunday Bible School – All ages
issue going forward by pushing payments further and further 11 AM Exciting Praise / Worship
into the future. Also, great Junior Church (5-11 yrs.)
7 PM Sunday Evening Worship &
The pandemic experience we have experienced in the last
Children’s Class
year and a half has fundamentally changed the delivery of 7 PM Wednesday Bible Studies
instruction at all levels of education. Higher education will

be affected most significantly with the explosion of online Church is the Place to Be!

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