Prayer Ministry at FBC Williamsburg

 Friends,

Throughout the years I have noticed that the members of First Baptist Church do a very good job of caring for one another. I am so very proud of you. Lately our deacons have been very proactive in contacting our church family when they have a need or crisis. As a matter of fact, many times by the time I reach out, someone in our church family has already done so. This is a great thing. 

That said, in this unique time when we must distance ourselves and limit our face to face interactions, we have encountered new challenges in caring for one another. One of these challenges is knowing how to pray for one another, particularly when there are specific requests.           

The Deacon Ministry Prayer Team has made arrangements for those wishing to receive prayer concerns via text or the Remind App. I want to invite you to participate. This was organized some time ago – but it really comes in handy right now. (See instructions below.)

Here our staff and administrators of the group will post needs and prayer concerns in our church and community as we learn of them. 

Attached is a prayer listing as updated as we have it now. During this time where people may feel isolated, take time to send notes, make a telephone call, or in some way make a contact of those in need of prayer.

Check the church directory or call the church office for addresses and phone numbers. (A few extra directories are in the office if you need one.)

To add names to the prayer list, please call the church office. ~ Ande Myers

If you wish to receive the notification of prayer concerns by text, the graphic above indicates you can receive texts by taking out your cell phone and dialing 81010 and then text @fbcwpraye

Or if you’d like to use the Remind App,

1. Open the Remind app. The app’s logo is light blue with a white silhouette in it. If you don’t have the Remind app, it is available on the App Store and the Google Play store.
2. Tap + to the right of “Classes Joined.” This should bring you to the “Join Class” interface.
3. Type in the class code. Ours is: @fbcwpraye

Vacation Bible School

Hold our Vacation Bible School “Weird Animals” up in prayer. The dates are June 2-6, 6:00 pm-8:30 pm.

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Depending on the amount of student loan debt you have, your payment may take up a sizable chunk of your budget. But keep in mind that debt repayment isn’t something you need to wait until you graduate or even have your first job to do.

Types of Student Loans: Federal & Private Loan Options

EduPlan is a payment calculator for students and their families who are concerned about student loan debt. It gives you an estimated payment based on your loan debt and the wage you’ll make while you’re enrolled in school. It takes your financial situation and your expenses and puts them into a few standard categories to determine what your monthly payment would be if you took out a loan equal to your annual income and were to make an average payment, year-round. You can go through this entire process for as little as $34. For example, let’s say you make $40,000 per year, have a $25,000 credit card balance, and have an average payment of $2,800 per month. Then you’d pay 1.25% interest on $48,120 in debt for a total of $2,785 per month. That’s less than the cost of a few cable TV packages, and it keeps you from going into crippling debt.

EduPlan has a few key elements:

An estimated payment: If you don’t know your debt load, you can enter it here. EduPlan will put a number of factors into play, including interest rate and the pay period you’re in, to calculate your estimated payment.

If you don’t know your debt load, you can enter it here. EduPlan will put a number of factors into play, including interest rate and the pay period you’re in, to calculate your estimated payment. Earning potential and expenses: This is the amount of money you need to make to pay off your loan. This includes monthly incomes, minimum monthly expenses, and your expected salary throughout your repayment term.

This is the amount of money you need to make to pay off your loan. This includes monthly incomes, minimum monthly expenses, and your expected salary throughout your repayment term. Loan repayment term: This is the number of years it will take to pay off your loan.

How To Calculate Your Student Loan Payment

If you know you have student loan debt and you’ve opened EduPlan, just start typing in your monthly payment. You’ll see that you’ll make at least four to five payments that will provide you a bit more certainty to making your monthly payments, but you won’t have to be overly concerned about making sure that you’re making the right payments because the repayment term isn’t forever. You could just decide to get serious about paying down your loans over the course of a few years.

With EduPlan, it’s important to remember that this tool is just one part of how to pay down your loans. The other part is also important to consider:

Payment amount: EduPlan uses a 4% interest rate and an annual repayment period of 20 years to calculate your estimated monthly payment. That’s pretty standard for student loans, and this will give you an idea of what your pay in the future would be. (To compare payments at different rates, look at our infographic on the differences in rate comparisons.)

For further information regarding student loans, visit https://www.sofi.com/refinance-student-loan/.