Is it True That the Borrower is Servant to the Lender?
By: Anthony Joseph Hopkins/ May 3 2024

Praise The Lord Saints!! Praise The Lord!! How are all of you doing today? Fine, I hope. I have a very important question to ask all of you. Is it true that the borrower is servant to the lender? This is a very serious question that I would like to ask all of you personally because I have a student loan, and I am having a very difficult time paying it off. The interest of my student loan is 8%. I know that I did not have any business taking out another loan; just to attend college at the University of North Carolina at Charlotte. I enrolled in college during the fall of 2003. I borrowed the money in order to enroll at UNCC. I was not eligible for any more grants that were available at the time. Frankly, I was trying to acquire a second Bachelor’s Degree in Psychology and Social Work. I understand that anytime that a person borrows money in any state, fashion or form, it is like being a slave all over again. I really understand that I have to pay this money back in full. However, I am very disappointed because the interest on my Jamison Loan is $80.00 dollars per month.

Next, I want to inform all of you that it is true that the borrower is servant to the lender. It might be a metaphor at the moment, but in reality, we have to pay off all of our debts. It does not matter what they really are, we have to pay our debts. I really understand that student loan debt is climbing each year. I wish that I could have given the money back!! I know that I only receive Social Security Disability right now. I only earn $959.00 dollars per month right now. I have over $850.00 dollars in bills each month. I know that I have to pay my rent at the moment as well as life insurance, and other bills.

Moreover, I have been going through financial hardships for the past 25 years now. I will admit that the William and Fudge Collection Agency wants me to pay this loan off in full. I have called this agency at their Rock Hill, South Carolina Office and they want me to pay at least $275.00 per month. I have explained to them that I can only pay $50.00 per month. I do not understand why these collection agencies are not willing to come to a complete compromise with me regarding my student loan. I am only paying the interest instead of the principle amount. This is a shame!!
I guess I better go back to work just to pay this student loan.

In Addition, there are people that I have allowed to borrow money from me, but they do not pay me back. These people are called welshers right now. To completely welsh, means to refuse to pay off your debts. I have depleted my allotment when it comes to borrowing money from my life insurance right now. I have asked William and Fudge Collection Agency can I pay the amount that I have agreed in the very beginning!! I have to do what is absolutely necessary in order to pay off all of my debts.

Finally, I want to inform everyone that have debts to pay to make payment arrangements with all of your creditors in person. When it comes to handling things over the telephone is pointless right now. I have to get on my knees and pray to Jesus Christ to help me to pay off all of my debts. Do you know that birds of a feather flock together? This is a wise saying that people who are of certain status tend to affiliate with one another. When it comes to socioeconomic status in the United States as well as other countries, the poor will always go through hell in life. I also will admit that a person cannot establish a relationship with the opposite sex; if you are having hardships in any state, fashion, and form.

This is serious because my ex-wife used me for my money at a period of time during our relationship. She was buying street drugs with my money instead of paying bills for our residence. There are some women and men who will completely drain you of all of your resources. They do not care. Some of the people that I was affiliated with were very apathetic. This is the reason why I would like for everyone to please keep me in your prayers because I am physically, emotionally, mentally, and financially suffering right now. I am telling all of you the truth about my situation.

You Passed! You have an amazing memory and vocabulary!

Amazing! You fit into 3% of the population that can get a perfect score on this test! (And it’s not easy). You have a sharp memory and a brilliant talent for words. You are a keen academic and love reading and learning new things. You are excellent with people because you remember every person you meet and the stories that come along with them. You’re intelligent, but also creative. With such a sponge for a brain and such an articulate mind, you will go far!

How Come The Bible States That Man’s Enemies Are Inside of His Household?

        This is an essay that has a lot to do with the Institution of the Family.  The question is how come the Bible states that a Man’s enemies are those of his own household?  I am asking this question because it has a lot to do with the dysfunctional aspects of the family.  Also, I will focus on what the Bible says about the family as well. 

        Next, I want to inform everyone that the reason why I am writing about this topic is simply because I have a problem with my own family right now, and I would like for the Lord God to resolve it.  For Instance, I want to tell everyone that some of my family members are upset with me because I am attending AA meetings on a regular basis.

 Another reason why I hardly affiliate with some of my family members is simply because they constantly think that I am living in the past.  My siblings and I argue about what I have done in my past.  It does not make sense.  According to 2^nd Corinthians 5:17 indicates that if a person is in Christ, he is a new creation, the old has passed away and the new has come. 

Bible Verse About Family Strength

Bible Verses About Family Unity

• “Honor your father and your mother, that your days may be long in the land that the Lord your God is giving you.” – Exodus 20:12
• “Bear with one another and, if one has a complaint against another, forgive each other; as the Lord has forgiven you, so you also must forgive.” – Colossians 3:13
• “How good and pleasant it is when God’s people live together in unity!” – Psalm 133:1
• “Behold, children are a heritage from the Lord, the fruit of the womb a reward. Like arrows in the hand of a warrior are the children of one’s youth. Blessed is the man who fills his quiver with them! He shall not be put to shame when he speaks with his enemies in the gate.” – Psalm 127:3-5

Bible Verses About Family Love

• “Husbands, love your wives, just as Christ loved the church and gave himself up for her.” – Ephesians 5:25
• “Love is patient, love is kind. It does not envy, it does not boast, it is not proud. It does not dishonor others, it is not self-seeking, it is not easily angered, it keeps no record of wrongs. Love does not delight in evil but rejoices with the truth. It always protects, always trusts, always hopes, always perseveres. Love never fails.” – 1 Corinthians 13:4-8
• “Let love be genuine. Abhor what is evil; hold fast to what is good.” – Romans 12:9
• “We love because he first loved us.” – 1 John 4:19  
• “So now faith, hope, and love abide, these three; but the greatest of these is love.” – 1 Corinthians 13:1
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Prayer For Peace In The Family

• “And as you wish that others would do to you, do so to them.” – Luke 6:31
• “If it is possible, as far as it depends on you, live at peace with everyone.” – Romans 12:18
• “And they said, “Believe in the Lord Jesus, and you will be saved, you and your household.” And they spoke the word of the Lord to him and to all who were in his house. And he took them the same hour of the night and washed their wounds, and he was baptized at once, he and all his family. Then he brought them up into his house and set food before them. And he rejoiced along with his entire household that he had believed in God.” – Acts 16:31-34
• “Our Father in heaven, hallowed be your name. Your kingdom come, your will be done, on earth as it is in heaven. Give us this day our daily bread, and forgive us our debts, as we also have forgiven our debtors. And lead us not into temptation, but deliver us from evil.” – Matthew 6:9-13
• “Let the peace of Christ rule in your hearts, since as members of one body you were called to peace. And be thankful.” – Colossians 3:15

Bible Verses About Missing Someone

• “The Lord watch between you and me, when we are out of one another’s sight.” – Genesis 31:49
• “God is our refuge and strength, a helper who is always found in times of trouble.” – Psalm 46:1
• “The Lord is near to those who are discouraged; he saves those who have lost all hope. Good people suffer many troubles, but the Lord saves them from them all.” – Psalm 34:18-19
• “So also you have sorrow now, but I will see you again, and your hearts will rejoice, and no one will take your joy from you.” – John 16:22

Bible Verse About Death Of A Family Member

• “For everything there is a season, and a time for every matter under heaven: a time to be born, and a time to die; a time to plant, and a time to pluck up what is planted.” –Ecclesiastes 3:1-2
• “As a mother comforts her child, so will I comfort you; and you will be comforted over Jerusalem.” – Isaiah 66:13
• “You, LORD, hear the desire of the afflicted; you encourage them, and you listen to their cry.” – Psalm 10:17
• “He heals the brokenhearted and binds up their wounds.” – Psalm 147:3

General Scripture About Family

The following bible verses about family are for both the family we are born into as well as friends we’ve made into family. These are perfect for blended families, close friends, and anything in between. But if you’re still looking for more family-based scripture, consider reading our piece on inspiring Bible verses about marriage.

• “Your offspring shall be like the dust of the earth, and you shall spread abroad to the west and to the east and to the north and to the south, and in you and your offspring shall all the families of the earth be blessed.” – Genesis 28:14
• “So we, though many, are one body in Christ, and individually members one of another.” – Romans 12:5
• “Do not repay anyone evil for evil. Carefully consider what is right in the eyes of everybody.” – Romans 12:17
• “Fathers, do not embitter your children, or they will become discouraged.” – Colossians 3:21
• “A friend loves at all times, and a brother is born for a time of adversity.” – Proverbs 17:17

Religious Quotes About Family

These religious quotes are short, sweet, and simple. They help to both strengthen the ties of family while also cementing your bond to God. Find them below:

Family Strength Quotes And Short Bible Verses About Family

• “She is clothed with strength and dignity; she can laugh at the days to come.” – Proverbs 31:25
• “I can do all things through him who strengthens me.” – Philippians 4:13
• “Honor your father and mother, and love your neighbor as yourself.” – Matthew 19:19
• “Children’s children are a crown to the aged, and parents are the pride of their children.” – Proverbs 17:6
• “My son, if your heart is wise, then my heart will be glad indeed.” – Proverbs 23:15
• “Therefore what God has joined together, let no one separate.” –Mark 10:9

Chapter #1 the Beginning
My personal beginning started at birth. On Thursday June 24, 1965 at 7:30PM. St. Elizabeth Hospital in Dayton, Ohio. I want to inform all of you that my mother was 21 years old during that time. My father’s information is not available. The only thing that I can say is that I was created through a one night stand.

Next, I remember when my mother told me that my father was older than her. I supposed that my existence came all of a sudden. I was born in Dayton, Ohio. I remember during that time that Dayton, Ohio was very popular when it came to music. Although Detroit, Michigan had Motown Records. I remember when my mother used to take me to church all of the time.

Further, I also recall spending a lot of time with my grandmothers. I was blessed to see two grandmothers and two grandfathers. I was a blessed child. The church that I was a member of was Bethel Church of God in Christ, which was located on Germantown Street in Dayton, Ohio. I remember when my grandmother told me that I was baptized when I was six months old.
Moreover, it was very nice during that time because my grandparents were working full time at the Pine Club Restaurant; located on Brown Street in Dayton, Ohio. I recall going to work with my grandmother for a few years. I want to inform all of you that I was a year old during that time when my Great Grandmother used to take me to church with her. I met all of the Deacons of the church as well as the Pastor at the church.

In Addition, I will admit that my first few years, I had spent at my grandmother’s house in West Dayton, Ohio. My grandmother lived inside of a very quiet neighborhood. My grandmother was always working just to pay the bills inside of the house. The first seven years of my life consisted of spending time with my cousins and aunt. My aunt worked during that time as well.
Also, my elders of the house were always busy. The 1970s were very interesting to all of those who used to have a musical talent. My family was small at that time. This is also the time I used to get into fist fights with other kids my age. I guess they used to pick on me because I was a very small young man during that time.
However, there were times when I used to run away from home. There were children that picked on me because I was smaller than they were. There were kids in my age group that were larger than me. I want to say that; the first seven years were very nice.

Edison Elementary School in Dayton, Ohio’s West Dayton was a very large school. I remember when I was 4 years old, I was in the Pre- Kindergarten, and I had teachers who could not handle me because I was very hyperactive during that time. One thing that my grandparents used to do; was take me to church with them. I recall having teachers who were very understanding towards all of us. I know that my mother had other children by her husband.
Edison Elementary School was located on 228 North Broadway Avenue in Dayton, Ohio 45407. I knew the address because my mother used to read to all of us as children. My grandparents used to read to me as well. I remember when my mother was gifted educationally because she graduated from Roosevelt High School in 1961. My mother used to help my Uncle with his homework, and he graduated from Dunbar High School in 1960.

My cousins were gifted in school. They were earning As and Bs in school. I remember earning all Cs in school. I know that I could not stand math in school. I did very well in other classes except math. My math teachers were very understanding and very genuine. I used to have problems doing algebra in school. I had a problem completing word problems as well.
As a result, I ended up earning all average grades in school. I do recall earning above average grades in Science and Social Studies. I had a lot of fun during that time. I did very well in English classes in school. I do recall attending Summer School when I was in the 4th grade and 7th grade.
Yet, I still had problems dealing with word problems in math. I read everything the proper way, but I still got the answers wrong on the test. My sisters were very intelligent in school. The 1970s were challenging for me because I had to transfer to a school that was 8 miles from me in 1977.

They started sending African American children to schools inside of European American neighborhoods in 1976. It was not very easy because I remember getting called names because of my color of my skin during that time. After all, I got along well with everyone except for a few students, who lived across the bridge from me. I do remember going to the neighborhood laundry mat, which was located on Riverview and Williams Street in Dayton, Ohio. It was less than a half a mile from my grandmother’s house.
At the same time, I was very nervous going inside of that neighborhood because of the street gangs that we had in the city of Dayton, Ohio.

How Do We Teach Our Children How To Obey God?

        This is an essay that ask a very important question.  How do we teach our children how to obey God?  According to Deuteronomy 6:7 says: And thou shalt teach them diligently unto thy children, and shalt talk of them when thou sittest in thine house, and when thou walkest by the way, and when thou liest down, and when thou risest up.  This means our primary emphasis is to teach our children how to love the Lord God.

        This also means that we are supposed to love the Lord with all of thy heart, soul, mind, and strength.  When it comes to teaching our children about the Bible, they learn by watching their parents.  If the parents are reading the Bible to their children, teaching their children how to pray, and taking them to church all of the time, and conducting themselves like a true Christian, then a child will never forget about the Lord.  According to proverbs 22:6 says: Train up a child in the way he should go, and when he gets old, he will not depart from it.

        I remember when I was growing up in the Dayton, Ohio Area from 1970-1990.  I attended church with my grandmothers on a regular basis.  My Great Grandmother indicated that she was taking me to church, so that I can grow up and be a real man.  She read the Bible to me on a regular basis.  I attended Bethel Church of God in Christ in Dayton, Ohio.  My Great Grandmother stated to me that she was raising me because my mother suffered from postpartum depression.  This is a mental illness that affects pregnant mothers worldwide.  My mother made a decision to take me to my Grandmother’s house and I had a lot of fun.

        At first, I did not understand what was going on with my mother at that time.  I went through a lot of changes myself because on May 30, 1972, I went to live with my mother and afterwards, I started drinking and smoking marijuana at the age of 7 years old.  However, I was born with alcohol inside of my bloodstream because my mother was drinking alcohol during that time.  My mother was also responsible for taking me to church on a regular basis herself.  One mistake that my mother made was trying to change my name.  My birth name is Anthony Joseph Hopkins.  She changed my name because she was married to a man that was not my own biological father. 

        I had to make changes to my own school records because I told my school counselor that the name that I was using Anthony Joseph Russell was not my real name.  I officially changed my name because it did not make sense what my mother had done to me as a person.  My own mother tried to alter my identity.  I have forgiven my mother for what she had done to me.  I will admit that I felt ashamed about having that name.  I used to examine my birth certificate and social security card and say to myself, why did Mom do this to me? 

        I have read the Bible over and over for the past 40 years.  I have always wondered why all of the bad things happened to me as a person.  My own stepfather stabbed me when I was a senior in high school.  I had to protect my own little brother on November 25, 1985.  If I didn’t put my arm in the way shielding my little brother, he would have been dead.  Therefore, I got stabbed with a hook knife.  To be perfectly honest, I almost bled to death from my injuries. 

        I will admit that there are things that I had done to my own mother and stepfather when I was much younger.  Like they say in Ephesians 6:1, Children, obey your parents in the Lord: for this is right.  There are times when I was a child that I even resented my own stepfather.  I even got into a fist fight with him immediately after he stabbed me with the hook knife that he had in his possession at the time.  There are times when I have actual flashbacks from the things that I had to endure in my personal life. 

        Finally, I am very sorry for mentioning all of this, but I have to tell the truth.  My name is Anthony Joseph Hopkins, and I am a 58 year old man from Dayton, Ohio.  I used to live in Charlotte, NC for 12 years.  I have been incarcerated a total of 26 times within the past 21 years.  I graduated from the University of Toledo in Toledo, Ohio on June 12, 1993 and June 17, 1995 respectively.  There are times when I meditate about the past and there are times when my own family members argue with me about the past.  God loves me and this is all that matters to me right now.  I have come a very long way in my personal life.