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In your questions you are actually asking about issues related to sanctification, therefore I would like to discuss the issue of sanctification in general, and hope to answer you along the way.

Being in a position to lend money to others is a blessing, whereas being the borrower is a curse (see Deuteronomy 28:44-45). Unless there's an overwhelming need to borrow, it's unwise for God's children to put themselves under the curse of indebtedness.

There is not a single passage in Scripture that so much as implies that Jews are inhuman, that they are without sin, that they did not fall in Adam and don't need the Messiah.

Combination pills contain both estrogen and progestins.

Hell will have degrees of punishment; each person's punishment will exactly correspond to his sins.

As a prolife physician who shares Randy Alcorn and your concerns about "birth control" pills. Some of my thoughts...

The key to your question is understanding the meaning of "commits adultery" in Matthew 19:9.

Jesus told the dying thief on the cross, "Today you will be with me in paradise" (Luke 23:43). The apostle Paul said that to die was to be with Christ (Philippians 1:23), and to be absent from the body was to be present with the Lord (2 Corinthians 5:8).

Like a bride's dreams of sharing a home with her groom, our love for heaven should be overflowing and contagious, just like our love for God. 

Heb 9:27 says, "It's appointed unto men once to die, and after this the judgment." Everything we receive reward for is what we actually did on earth.

You will hear McLaren's book mentioned with increasing frequency. It's having a wide impact.

If we used the same logic of separation of church and state, we would not have laws against killing adults either, since the Bible says "Thou shalt not murder."

Links to relevant articles.

Your desire to marry someone who has remained pure is a great goal. However, because we are sinful by nature, some people do have sex outside of marriage, maybe even before they became a Christian.