Joy McDonald Coltvet is an ELCA pastor and has served in congregational, campus ministry and seminary settings. She lives in St. Paul, MN.
 The amount of financial aid that students need and the amount of debt they acquire to earn their college and seminary degrees has dramatically changed in the past decade. In response to an educational debt crisis nationally, there have been major changes to the Federal Loan program. Students legally have access to borrow more, […]