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The Certificate track answers the multiple choice. The Associate adds the fill-in-the-blank questions; M.Div. and Th.M. add those and the short-answer questions. 90% of each part is required to pass.
The Tree of Faith
The root is Christ alone; faith is the trunk; the fruit proves the life.
Texts: Galatians 2:16, 21; 5:6, 22-23; Ephesians 2:8-9; James 2:17, 26
Grace: The Free Gift of God
Grace is the beating heart of the gospel, and of this whole letter. To say we are saved by grace is to say that salvation is a free gift — unearned, undeserved, and beyond our power to repay. We do nothing to merit it; we bring nothing to purchase it. As Paul writes, it is "the gift of God, not of works, lest anyone should boast." And he adds elsewhere, "if by grace, then it is no longer of works; otherwise grace is no longer grace" (Romans 11:6). Grace and earning are opposites. The moment we add our own work as a ground of acceptance, we have left grace behind — which is exactly the danger Paul fought in Galatia: "I do not set aside the grace of God" (Galatians 2:21). All that a sinner can do is open an empty hand and receive what God freely gives.
The Root: Christ Alone
Picture the Christian life as a tree. At the root, hidden beneath the soil and bearing the whole weight of the tree, is Christ alone. He is the source of all life in the believer. Our salvation does not rest partly on Christ and partly on us; it rests on Christ wholly. "I have been crucified with Christ; it is no longer I who live, but Christ lives in me" (Galatians 2:20). Everything the tree is, and everything it produces, flows up from that one root. Take Christ away and the tree dies; add anything beside Him at the root and you have a different tree — a different gospel. This is why the apostle will allow nothing — not the law, not circumcision, not human merit — to share the place that belongs to Christ alone.
Faith: The Empty Hand That Receives
If grace is the gift and Christ is the root, then faith is the empty hand that receives. Faith is not a work we perform to earn God's favor; it is the very opposite of working. Faith looks away from self and rests entirely on Christ. This is why Paul can say a man is "not justified by the works of the law but by faith in Jesus Christ" (Galatians 2:16). Faith adds nothing to the gift; it simply takes hold of it. A beggar who receives bread does not earn the bread by reaching out his hand. So the believer contributes nothing to his justification but the empty hand of faith — and even that faith is itself a gift of God.
Did Paul and James Disagree?
Here many sincere readers stumble. Paul says plainly, "a man is justified by faith apart from the deeds of the law" (Romans 3:28). But James seems to say the opposite: "a man is justified by works, and not by faith only" (James 2:24). Some have claimed the two apostles preached different gospels. They did not. The key is to see that they are answering different questions, and looking at different parts of the same tree.
Two Men, One Tree: The Root and the Fruit
Paul looks at the root. His question is, "How is a sinner made right with God?" His answer: by grace, through faith, in Christ alone, with no works added. That happens out of sight, at the root, before God. James looks at the fruit. His question is, "How do we know a person's faith is real?" His answer: by what it produces. That is seen above the ground, before men. Paul uses the word "justified" to mean declared righteous before God; James uses it to mean shown to be righteous by the evidence of a changed life. There is no contradiction here, any more than there is a contradiction between the hidden root that gives a tree its life and the visible fruit that proves the tree is alive. The fruit does not make the tree alive; it shows that it already is.
Faith Without Works Is Dead
This is exactly James's point: "faith by itself, if it does not have works, is dead" (James 2:17); "as the body without the spirit is dead, so faith without works is dead also" (James 2:26). A tree that never puts out a single leaf or fruit, year after year, is not a living tree at rest; it is a dead tree. So a "faith" that produces no love, no obedience, no change is not living faith at all — it is a corpse. James is not adding works to the root as a price for salvation; he is saying that living faith, by its very nature, bears fruit. Where the root is real, fruit will come.
Faith Working Through Love
Galatians itself holds the root and the fruit together, so we need not go outside this letter to reconcile Paul and James. Paul writes that what counts is "faith working through love" (Galatians 5:6) — faith that is alive and active. And he describes the fruit the Spirit grows: "love, joy, peace, longsuffering, kindness, goodness, faithfulness, gentleness, self-control" (Galatians 5:22-23). Notice who produces it: the Holy Spirit, dwelling in the believer who is joined to Christ. The same grace that saves us also sends the Spirit, who bears His fruit through us. Paul fully expects the tree of grace to be heavy with fruit. On this, he and James are entirely one.
Why This Matters
Holding the whole of grace — root and fruit — guards us from two deadly errors. The first is to tamper with the root: to add law, works, or human merit to Christ as a ground of salvation. That is the error of every false gospel, and it is what Paul calls "another gospel" under God's curse (Galatians 1:8-9). The second is to claim the root while bearing no fruit: a dead, empty profession that has never changed the life. The true gospel answers both. We are saved by grace alone, through faith alone, in Christ alone — we do nothing to earn it. And that saving grace is never barren; in time it always bears the fruit of the Spirit. This is the measure by which we will weigh other gospels in the units to come: do they leave Christ alone at the root, and grace as a free gift? Where that root is changed, the gospel itself is lost.
Unit 8 Final Exam
Certificate track: the 20 multiple-choice questions. Associate: multiple choice and the 10 fill-in-the-blank questions. M.Div. and Th.M.: multiple choice, fill-ins and the 10 short-answer questions. 90% of each part is required to pass. If you do not pass, the exam waits a short time before you can try again.
M.Div. and Th.M.: all five assigned readings are part of the course. Their separate exam is required after activation; see its page for the current rule. Honors remains optional and does not replace the exam.
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