Proverbs 22:7; And What It Means to all People!!!!  By Anthony Joseph Hopkins March 11, 2022

       Good Day Everyone!!  I have a very important question to ask everyone.  Is it true that the borrower is servant to the lender?  The answer to this question is yes.  I am saying that because the borrower borrows money, and the lender lends money to everyone.  The only difference is that a borrower has to pay interest on the money that is borrowed from the lender.

For Instance, I borrowed $3,600 dollars to enroll in classes at the University of North Carolina at Charlotte on Monday August 23, 2003 for the Fall Semester.  The loan itself is a Jamison Loan.  The interest rate on the loan is 6%. To be honest with everyone, the University of North Carolina at Charlotte has a law stating that if a student is enrolled in any College and University in the State of North Carolina, they will have to have their immunization shots in advance before you enroll in class.

       Next, I want to inform all of you that I still maintained my job at the University of NC Charlotte.  I had to do something.  I wanted to earn my master’s degree in Social Work at the University at the time.  I only wanted to do something constructive in my life.  According to the United States Bankruptcy Court, all student loan debts are not accepted into Bankruptcy Court.  Any student loan must be paid back to a collection agency or the school that a student had enrolled in at that time.

       Moreover, I tried to file for Bankruptcy with my student loan debt a few years ago.  I got rejected!!  The Trustee at the Bankruptcy Court told me in my face that my student loans are not eligible for bankruptcy.  I am paying a total of $100.00 dollars per month on my student loan debts.  I have to do something positive to make money.  My student loan debt is a total of $28,850 dollars.  I am a prime example of a borrower that is servant to the lender.  The Borrower is myself and the Lender is the University of North Carolina at Charlotte.

       Finally, I want to inform all of you that it is true that the borrower is servant to the lender.  This is a fact of life.  You have people who charge interest on the money that you borrow from them.  The interest is usually .25 Cents on a dollar.  There is such thing as a dollar on a dollar interest.  This is the reason why I do not borrow any money from civilians.  I do not borrow money from anyone.  I have learned a valuable lesson.

 Please do not let your interest on the money that you borrow be more than the principle amount.  For 19 years, I did not pay my student loans because I did not have a job.  I do not have a job right now.  I am receiving Social Security Disability each month.  I still have to pay my tithes to my church and my student loan interest each month.  This is the truth because it will take me 25 years to pay my student loan debt off.  I am not eligible for any loans or anything on credit.