Monergism

Faith itself is man's act or work and is thereby excluded from being any part of his justifying righteousness. It is one thing to be justified by faith merely as an instrument by which man receives the righteousness of Christ, and another to be justified FOR faith as an act or work of the law. If a sinner, then, relies on his actings of faith or works of obedience to any of the commands of the law for a title to eternal life, he seeks to be justified by works of the law as much as if his works were perfect. If he depends either in whole or in part, on his faith and repentance for a right to any promised blessing, he thereby so annexes that promise to the commands to believe and repent as to form them for himself into a covenant of works. Building his confidence before God upon his faith, repentance and other acts of obedience, he places them in Christ's stead as his grounds of right to the promise and so he demonstrates himself to be of the works of the law and so be under the curse." Galatians 3:10 - John Colquhoun (A Treatise on Law and the Gospel)

"As grace led me to faith in the first place, so grace will keep me believing to the end. Faith, both in its origin and continuance, is a gift of grace." - J.I. Packer