Hope for your financial life and beyond

The Hidden College Debt Statistics You Never Hear About

The cost of college continues to expand with each passing year. With it, so does the amount of student loans being processed. It’s leading to an alarming amount of college debt that is hamstringing the life of graduates.

college debtBy now I’m sure you’ve heard the alarming student loan statistics. Americans now owe over $1.3 trillion in student loan debt. For the class of 2016, the average borrower will owe just over $37,000, a figure that is up 6% from last year.

But those are just your basic top line college debt statistics. They are the most visible numbers but they don’t tell the whole story. There are some hidden statistics (i.e. not usually reported) that highlight what this college debt is doing to students later in life. They show that virtually every decision in life can be impacted by college debt.

How College Debt Impacts Your Life

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How to Develop a Purposeful Plan for Giving Away Money

giving away money

If you have found your way to this article, you most likely have a charitable heart and enjoy giving away money to a church, charitable organization, favorite cause or the girl scout who shows up at your door selling cookies. But have you ever … [Continue reading]

Do You Really Need Life Insurance for Your Family?

do i need life insurance

Our own mortality is a topic we don’t like to discuss. I was reminded again of this recently when a friend of mine had open heart surgery. He is doing great and expected to make a full recovery. But as I sat in the waiting room with his wife and … [Continue reading]

5 Personal Finance Items to Evaluate at Least Once a Year

Outstanding Evaluation

When was the last time you took inventory of your personal finances? It's easy to get things set in place and then just ignore them. Who really wants to continually review all the facets of personal finance anyway? It takes so much time. Well, … [Continue reading]

7 Positive Lessons from Job’s Friends on Helping Hurting People

job's friends

Ever felt like you had no clue how to help someone who was hurting? It doesn’t matter if the pain is physical, emotional or spiritual. Too often we simply freeze, not really knowing how to best help our friends in need. Should I give them advice? … [Continue reading]

How to Make Sure You Never Need a Car Loan

car loan

My wife and I have recently bought a new car. It was used but new to us. The best part about the whole deal was that we didn’t have to take out a car loan. We paid cash. Now, we are both in our forties and well established financially. So you … [Continue reading]

My Varidesk Review: The Standing Desk Alternative for Your Office Space

Varidesk standing desk

Are you looking for a standing desk alternative for your desk space at home or office? Tired of sitting all day? That was me several months ago. When I was a high school teacher I used to stand all day long. When I quit teaching, I found myself … [Continue reading]

Some Say There Is No God. What If They Are Wrong?

there is no god

I recently published an article highlighting some short Bible verses that hold tremendous meaning. For a couple of weeks, I promoted that post on Facebook. The article was well received, generating over 1.3k likes. But of course, as Facebook goes … [Continue reading]

Is Reliability, Price or Features Most Important When Buying a Car?

buying a car

What do you look for when buying a car? The reason I ask is that we are on the verge of doing just that. Our two-year lease experiment with an electric car is coming to an end. We will not be renewing the lease and are looking at buying a car … [Continue reading]

3 Reasons Kids Should Watch Every Moment of Olympic Coverage

olympic coverage

Today my kids will drag themselves out of bed and head back to school. Unfortunately, our back to school season is clashing with another major world event happening right now - the 2016 Olympics in Rio de Janeiro. So there will be no more 10-hour, … [Continue reading]

The Consequences of Riding Your Motorcycle Unprotected


There have been some rumblings in and around my house of late. Two of the young men who are in a Bible study group my wife and I host have recently bought a motorcycle. My kids love to hear them roar out of our driveway. They are responsible young … [Continue reading]