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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.
1. The Bad News Before the Good News
Paul could have started with the cross. He could have opened the body of his letter at Romans 3:21 — "but now apart from the law the righteousness of God has been revealed." That is the great hinge of the book, the place where the gospel breaks through. Instead, Paul spends nearly three full chapters demolishing every escape route a sinner might take before he announces the rescue.
This is not unusual for Paul. It is essential. A doctor who hands out medicine without first explaining the disease is not doing the patient a favor; he is selling the patient on something the patient does not think he needs. The hospital chaplain who tells a dying man "Jesus loves you" without ever telling him he is dying has skipped the most important sentence. The Bible's good news is not vague comfort. It is specific rescue from a specific disaster. So before Paul shows us the way out, he closes every other door and locks it.
This section — Romans 1:18 through 3:20 — is heavy. Some honest readers will say it reads like an accusation against them personally. Good. That is exactly the reaction Paul intends. By the end of chapter 3, every mouth will be stopped. Every defense will fall. And only then will Paul roll back the stone and announce the resurrection of righteousness — by faith, apart from the law, for everyone who believes.
2. The Three Steps Down (1:18-23)
Paul lays out three reasons why God is entirely just in His judgment of human beings. They are not three separate categories of sinners. They are three steps that every fallen human being takes, every day, in the slow downward spiral away from the light.
First, humanity suppresses the truth in wickedness. It is not that the truth is hidden. It is that we hold it down. We push against it. We bury it under noise, distraction, and rationalization. Paul says the wrath of God is revealed "against all the godlessness and wickedness of people, who suppress the truth by their wickedness." Notice the order — wickedness drives the suppression, not the other way around. We do not first fail to find God and then accidentally drift into sin. We sin, and then we work very hard to keep ourselves from finding God.
Second, humanity ignores God's revelation in creation. Paul argues that what may be known about God is plain to them, because God has made it plain to them. The invisible qualities of God — His eternal power and divine nature — have been clearly seen since the creation of the world, in the things that have been made, so that people are without excuse. This is what theologians call general revelation or natural revelation. Every sunrise preaches a sermon. Every star is a syllable. The created order is not silent about its Creator. Four things characterize it: it is clear, universally understood, has been going out since creation, and reveals real truth about God (though not all of it). The cosmos itself testifies, and humanity covers its ears.
Third, humanity exchanges the glory of God for images. It begins with ingratitude: "although they knew God, they did not glorify Him as God, nor were thankful" (1:21). Paul writes that "they claimed to be wise, they became fools, and exchanged the glory of the immortal God for images made to look like a mortal human being and birds and animals and reptiles." Idolatry is not a primitive impulse we have outgrown; it is the universal human reflex. When we will not have God as God, we must have a substitute. The ancient world carved idols of stone and wood. The modern world carves them of careers, romance, money, ideology, and self-image. The material has changed; the impulse has not.
3. God Gave Them Over: The Triple Surrender (1:24-32)
Three times in this passage Paul writes the chilling phrase, "God gave them over." It is one of the most sobering descriptions of divine judgment in the New Testament. God's wrath is not always thunder and fire. Sometimes God's wrath is the absence of resistance. He simply lets us have what we keep demanding.
The pattern descends. First, God gives humanity over to "the sinful desires of their hearts to sexual impurity for the degrading of their bodies." Second, God gives them over to "shameful lusts" — Paul names specifically the disordering of natural sexual function. Third, God gives them over to "a debased mind" — a thinking apparatus so warped that it can no longer distinguish good from evil and approves of those who do what ought not to be done — even while "knowing the righteous judgment of God, that those who practice such things are deserving of death" (1:32).
Here Paul lists the fruit of the debased mind: "every kind of wickedness, evil, greed and depravity. They are full of envy, murder, strife, deceit and malice. They are gossips, slanderers, God-haters, insolent, arrogant and boastful; they invent ways of doing evil; they disobey their parents." Pause and read that list again. Murder. Gossip. Arrogance. Disobedience to parents. Paul ranks them together — flat. He does not give us a hierarchy of "not so bad" sins versus "really really nasty" ones. The whole list is named "wickedness." This is the New Testament's death-blow to every comfortable comparison we make between ourselves and people we judge worse.
4. The Moral Person Is Just as Guilty (2:1-16)
At this point Paul anticipates a comfortable reader nodding along, thinking, "Yes, those people are terrible. Thank God I'm not like them." So Paul turns. "Therefore you have no excuse, O man, every one of you who judges. For in passing judgment on another you condemn yourself, because you, the judge, practice the very same things." Paul's argument is devastating. The moment you judge, you prove you know the standard. The moment you fail to keep the standard yourself, you stand condemned by your own verdict.
In this section Paul lays down four principles of God's judgment that close every loophole. First, God's judgment is according to truth (2:2) — not appearance, not reputation, not comparative virtue. Second, God's judgment shows no partiality (2:11) — Jew and Gentile, rich and poor, religious and irreligious face the same standard. Third, God's judgment is according to works (2:6) — what we actually do, not what we tell ourselves we would do. Fourth, God's judgment reaches secret things (2:16) — God will judge what no human court can reach, the secrets of every heart through Christ Jesus.
The conscience itself becomes a witness. Paul notes that even Gentiles, who do not have the Mosaic Law, "show the work of the law written in their hearts, their conscience also bearing witness." Conscience is not infallible, but it is universal. Every culture has some sense of right and wrong. That moral sense is itself part of the indictment — because every culture, including those without the Bible, fails the standard its own conscience confesses.
5. The Religious Person Is Just as Guilty (2:17-29)
Paul now turns specifically to the Jewish reader, but the principle applies to every religious tradition. "Behold, you are called a Jew, and rest on the law, and make your boast in God, and know His will." Paul piles up the credentials. Then he asks the killing question: "You, therefore, who teach another, do you not teach yourself? You who preach that a man should not steal, do you steal? You who say, 'Do not commit adultery,' do you commit adultery?" The credentials do not save. Possession of the law without obedience to the law actually deepens guilt rather than reducing it.
Paul ends the section with a thunderclap: "He is not a Jew who is one outwardly, nor is circumcision that which is outward in the flesh; but he is a Jew who is one inwardly; and circumcision is that of the heart, in the Spirit, not in the letter." Circumcision was the covenant sign — the deepest mark of Jewish identity. Paul says the outward mark counts for nothing without the inward reality. Heart-circumcision is what God has always required. Outward religion without inward transformation is exactly what Jesus called the Pharisees out for. The same warning applies to every Christian generation since.
6. The Verdict: All Under Sin (3:1-20)
In chapter 3 Paul fields a series of objections an honest opponent might raise — does Jewish privilege count for nothing? Does God's faithfulness fail because of our unfaithfulness? Can we sin so that grace may abound? He answers them all rapidly: God remains faithful even when we are faithless; let God be true and every man a liar; and absolutely not, we may not sin to magnify grace.
Then Paul drives the closing nail. He strings together a catena of Old Testament quotations — from Psalms, Proverbs, and Isaiah — to establish the universal verdict.
The accumulating quotations function like the sounds of a courtroom: gavel after gavel falling. Their throat an open tomb. The poison of asps under their lips. Mouths full of cursing and bitterness. Destruction and misery in their ways. The way of peace not known. No fear of God before their eyes. And then Paul delivers the closing argument: "Now we know that whatever the law says, it says to those who are under the law, that every mouth may be stopped, and all the world may become guilty before God."
Every mouth stopped. No defense remaining. The whole human race standing silent in the courtroom of God. That is where Paul has been driving for sixty-four verses. Romans 3:20 lands the verdict and explains the function of the law itself: "Therefore by the deeds of the law no flesh will be justified in His sight, for by the law is the knowledge of sin."
The law was never given to save anyone. The law was given to expose the disease that requires salvation. James 2:10 puts it bluntly — "whoever shall keep the whole law, and yet offend in one point, he is guilty of all." Jesus raised the bar even higher in the Sermon on the Mount — "Be perfect, therefore, as your heavenly Father is perfect." The Bible's standard is not relative goodness. It is absolute righteousness. And by that standard, every human being on the planet has fallen short. Romans 3:23 will state it explicitly two paragraphs later: "for all have sinned and fall short of the glory of God."
Paul has now closed every door, locked every window, and stopped every mouth. He has done it on purpose. Because only when every other rescue has failed are we ready to look in the direction Paul has been pointing all along. Romans 3:21 — "But now…" — begins the next unit.
Unit 2 Examination — Romans 1:18-3:20
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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