Students come to seminary with an eagerness to learn, though they must balance their enthusiasm with realistic planning about how they will cover their training costs. Indeed, the primary responsibility to pay will rest on the student. However, students are invited to explore the financial aid options available from Western Seminary and various outside organizations that can help provide for and manage school expenses all the way to graduation.

In order to qualify for most kinds of financial aid below, students must be enrolled half time (4 hours) and be admitted to a degree program. Please note that non-degree students are not eligible for financial assistance.



Institutional Aid

NEED-BASED GRANT
Grants will be based primarily on financial need and will depend in large part on the amount of money available and the need of the applicant. Grants are awarded on a fall-spring-summer academic year. The Church Partnership Grants and Need-Based Grants are funded by the endowment and restricted scholarships shown in the Seminary catalog. Eligible programs include Diploma and Masters programs.


CB CHURCH, CB ORGANIZATION OR SUPPORTING CHURCH GRANT
Students who are staff members of CB churches, CB agencies or supporting churches may be eligible for a grant of 25% of tuition costs. Contact the Financial Aid Office for details and eligibility. Please see Community Service information below


THIRD YEAR MASTER OF DIVINITY SCHOLARSHIP
Getting prepared for ministry in the 21st century is demanding and costly – as are most things of value! Going the “extra mile” for the full M. Div. takes an extra measure of commitment. Therefore, Western Seminary is pleased to announce that Master of Divinity students may receive a scholarship equal to 25% of their tuition for hours 65 through 90 of their program. Please see Community Service information below.


MINISTRY PARTNERSHIP SCHOLARSHIP
Thanks to the strong partnership between Western Seminary and the following ministry organizations, staff workers in each organization may be eligible for a partial scholarship. Please see Community Service information below.


ONE-TIME FIRST YEAR MASTER'S GRANT RELOCATION
We recognize that relocating is expensive; therefore, you may qualify for a grant towards your first semester tuition to help offset moving costs. The size of the grant is dependent upon the distance you have relocated: 500-999 miles - $200, 1000-1499 miles - $400, 1500+ miles - $600.


TRAVEL REIMBURSEMENT SCHOLARSHIP
Visiting Western Seminary when you live at a distance can be expensive! We would like to reward you for visiting our campus by offering a scholarship that will pay for one credit hour of tuition.


INTERNATIONAL STUDENTS
Please see Community Service information below.


ALUMNI AUDIT OPPORTUNITY
Degree graduates of Western Seminary are invited to audit one course per year at no charge. Degree graduates include those who have completed a full master’s or doctoral degree program.

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SPOUSE TUITION POLICY
To download the request for financial aid under the Spouse Tuition Policy, please click here.

Federal Aid

FEDERAL STAFFORD LOAN
Federal Stafford loans are interest loans obtained through a lender of the student's choice.  Western Seminary recommends that students limit their borrowing to $13,333 in any 12-month period and total graduate/undergraduate borrowing to $40,000 at time of repayment. This applies to subsidized, unsubsidized Stafford loans, consolidated and Perkins loans.  These recommended loan limits are based on the expected income of a Western Seminary graduate.  A Committee (composed of the Financial Aid Director [chair], the Dean of Men, and the Business Manager) has been formed to act, on a case-by-case basis, upon appeals for borrowing beyond these recommended limits.  Repayment begins six months after you graduate or cease to be at least a half-time student. The Stafford loan process can take six to eight weeks and should be started as early as possible. (As a graduate institution, students are not eligible for federal grant programs such as Pell.)

What to Expect Instructions (2009-2010 Year) Application (2009-2010 Year)
What to Expect Instructions (2008-2009 Year) Application (2008-2009 Year)

Helpful Links

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Outside Aid

DENOMINATIONAL AND CHURCH ASSISTANCE
Some denominations have scholarships and loan programs to assist seminary students. Many local churches also have established scholarship funds for students who are members of their congregations.  

STUDENT MINISTRIES, INC. (SMI)
SMI, a non-profit national organization, provides a way for family, friends and churches to make tax-exempt contributions to assist you with ministry and living expenses while attending seminary. You must be involved in an approved ministry. Contact SMI at 1-866-653-8802 for details, or View the SMI webpage.  

FINANCIAL AID INFORMATION RESOURCES
Some students have been able to secure scholarships or grants from trusts and civic organizations.

You may wish to do the following:

Monthly Payment Plan

For students who are not able to pay their tuition in full at the beginning of the term, a monthly payment plan is available. This plan is administered by Academic Management Services and payments are made directly to AMS, not to the seminary. There is a per-semester or -year charge for this service but, if payments are made on time, there are no interest or other charges for using this plan. For more information about how the plan works or to sign up for the plan, go to www.tuitionpay.com. Or you may call the Business or Financial Aid Offices if you have additional questions.

Please note: This monthly payment plan is not available for the summer term.   Back to Top

In Conclusion

Financing your education at Western Seminary is a combination of grants, loans, working part-time or full-time along with your current resources. This is no doubt that pursuing an advanced degree will require some sacrifice but, with careful planning and sound management, it can be achieved. The Lord provides!

If you have any questions please contact Mr. Lynn Ruark at 503-517-1818 or (877-517-1800 ext. 1818).

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