Word Radio

Have you ever met someone who can quote Scripture effortlessly and knows every Bible story by heart, yet their heart seems completely unchanged by all that head knowledge? Dr. Robert Jeffress explains the difference between merely hearing God’s Word and putting it into practice.

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We all have friends and acquaintances. Some acquaintances may be a friend of a friend, so we don’t know them very well. We may even know a friend of a friend of a friend. . . your next door neighbor’s aunt’s gardener’s sister. God knows each one of us individually. And He wants a close friendship with each of us. Today on A NEW BEGINNING, Pastor Greg Laurie points out how that intimacy forms the bedrock for our redemption, and for the way God cares and provides for us.

Join us on August 16 for the annual Jesus Revolution Baptism, a celebration of new life in Christ at Pirate’s Cove with Pastor Greg Laurie!

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A New Beginning is the daily half-hour program hosted by Greg Laurie, pastor of Harvest Christian Fellowship in Southern California. For over 30 years, Pastor Greg and Harvest Ministries have endeavored to know God and make Him known through media and large-scale evangelism. This podcast is supported by the generosity of our Harvest Partners.

Support the show: https://harvest.org/support

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Many student loan borrowers are falling behind again, and the impact is more than financial.

A recent change in federal law has reshaped student loan repayment, and as collections ramp back up, millions are seeing their credit scores drop. If you’re feeling the weight of repayment, you’re not alone. Neile Simon joins us today with practical steps to help you regain control.

Neile Simon is a Certified Credit Counselor with Christian Credit Counselors (CCC), an underwriter of Faith & Finance.

In early July, sweeping legislation restructured federal student loan repayment options. Borrowers now face only two choices:

• Standard Repayment Plan: Lasting 10 to 25 years
• Repayment Assistance Plan (RAP): A 30-year plan with payments based on 1% to 10% of the borrower’s income, with a minimum of $10 per month

While RAP may seem like a helpful tool, the new law eliminated borrower-friendly plans such as the SAVE plan and many income-driven repayment options. For borrowers who are unemployed or experiencing hardship, this is a significant loss. The end of pandemic-era protections, including deferments, has left many unprepared and falling behind.

Adding to the challenge, federal collections resumed on May 5, signaling a firm end to COVID-19 relief. The result? A wave of financial instability.

The fallout from these changes has been swift and painful. According to AP News, in the first quarter of this year alone:

• Over 2.2 million borrowers experienced a credit score drop of more than 100 points.
• Over 1 million borrowers experienced a decrease of more than 150 points.

This sharp decline has made it difficult for individuals to secure new credit. Car loans, mortgages, and even rental approvals are now being denied. With limited disposable income, many are forced to choose between paying rent, student loans, or credit cards.

More people are relying on credit cards just to cover essentials like groceries and gas. It’s a cycle that only deepens their debt and financial stress.

While Christian Credit Counselors doesn’t directly manage student loans, they play a vital role for those overwhelmed by mounting credit card balances. Neely explains how nonprofit credit counseling agencies bring clarity and relief:

• One-on-One Counseling: Certified counselors review your debt, income, and budget
• Debt Management Plan (DMP): Unsecured debts are consolidated into a single monthly payment
• Creditor Negotiation: Lowered interest rates (often between 1% and 12%), reduced monthly payments, and elimination of late fees
• Commitment to Repayment: This is not a loan, bankruptcy, or debt settlement. You repay your full debt—just through a simplified plan.

It’s a way to honor your commitments while regaining control. And once enrolled, your interest rates remain fixed throughout the program.

If you're feeling weighed down by debt, don’t wait. Take an honest look at your budget, explore your options, and don't

We would love to hear from you! Please send us your comments here.

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Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org.

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Amber Lia and Wendy Speake offer parents practical suggestions for responding with patience and wisdom to their children's misbehavior. The discussion is based on our guests' recent book, Parenting Scripts: When What You're Saying Isn't Working, Say Something New. 

Receive a copy of Parenting Scripts and an audio download of "Say This, Not That: Smart Parenting Tips for Misbehavior" for your donation of any amount!

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There’s an immediate connection between true believers in Christ. Christians, through the Holy Spirit, are united in a family bond. In this message from Acts 2, Pastor Lutzer shows how the early church was united economically, socially and joyfully. What might that mutuality look like in our churches today? 

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Today on Bold Steps with Pastor Mark Jobe … we’re discovering some physical problems have spiritual roots. Last time, Mark started a two-part message called, Walking Tall Again … and he touched upon the first two points of this message … people fail to experience spiritual power because they're stuck … and some people have been stuck so long they've accepted it as a normal way of living. Listen now as he expands on the next three points … how the power of God creates breakthroughs.

Bold Step Gift: MOVING FORWARD AFTER MESSING UP: A NEW FUTURE WITH THE GOD OF SECOND CHANCES

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The post Jesus doesn’t shame the fearful. He speaks peace to failures. appeared first on Key Life.

It’s absurd to claim that the universe was caused “by chance.” This idea turns chance into a magical force with the power to create reality. Today, R.C. Sproul reveals what we’re actually saying when we assert that something happened by chance.

Receive R.C. Sproul’s video teaching series Creation or Chaos on DVD, plus lifetime digital access to all 6 messages and the study guide, for your donation of any amount: https://gift.renewingyourmind.org/4253/offer
 
Live outside the U.S. and Canada? Get the digital teaching series and study guide for your gift of any amount: https://www.renewingyourmind.org/global
 
Meet Today’s Teacher:
 
R.C. Sproul (1939–2017) was founder of Ligonier Ministries, first minister of preaching and teaching at Saint Andrew’s Chapel, first president of Reformation Bible College, and executive editor of Tabletalk magazine.
 
Meet the Host:
 
Nathan W. Bingham is vice president of media for Ligonier Ministries, executive producer and host of Renewing Your Mind, and host of the Ask Ligonier podcast.

Renewing Your Mind is a donor-supported outreach of Ligonier Ministries. Explore all of our podcasts: https://www.ligonier.org/podcasts