Financial Information

LTS is dedicated to making our degree programs accessible to students from all walks of life. Learn more about our scholarship opportunities, student loans, and payment plans.

Tuition Structure and Fees


Degree Programs
Doctor of Ministry degree tuition$480 per credit hour
Doctor of Ministry degree thesis fee$1000
Doctor of Ministry degree continuation fee$500 per year after the fifth year in the program
Certificate Programs
For credit (non DoC/UCC students)$480 per credit hour
Non-credit (all denominations)$240 per credit hour
Auditing of Courses
Auditors$60 per credit hour
Current staff $0 (no charge)
Spouse/partner of enrolled student in that particular course$0 (no charge)


Technology Fee$30 per month
Late Registration Fee$25 per course
Drop Course Fee$50 per course


The seminary offers scholarships to offset the cost of tuition. For a complete list of scholarships offered, click here. In addition to scholarships LTS offers students the choice to pay tuition over time at 0% interest. For more information please contact Windy Kidd.

VA Loans

LTS is an approved school for students who qualify for Veterans Administration Benefits.

Federally Backed Student Loans

LTS degree seeking students who are attending at least half-time (2.5 credits per quarter) may elect to obtain Federal Direct Unsubsidized Loans.

Our goal is to help you keep your educational indebtedness as low as possible. Average salaries of clergy nationwide suggest that students could manage to repay $28,000 in loans without significantly affecting their standard of living. A conservative approach to borrowing can be a realistic way to finance a significant portion of your theological education after all other financing options are exhausted.

Under Department of Education regulations, all graduate student loans are made as unsubsidized loans. All loans will carry a fee. Interest will begin to accrue on all loans disbursed, from the date of disbursement.

A student who wishes to apply for a Direct Loan should submit a Free Application for Federal Student Aid (FAFSA) to the U.S Department of Education after having completed their federal income tax return. Only students planning to borrow a Stafford loan need to submit a FAFSA.

Once a FAFSA has been submitted the student should contact the financial aid office, via email, to inquire about their loan eligibility. Borrowers will also need to complete a Master Promissory Note and Entrance Counseling before funds may be disbursed.

Satisfactory Academic Progress Requirements For Student Loans

Recipients of Federal Stafford Loans must meet specific academic standards of Satisfactory Academic Progress (SAP).

Failure to establish and maintain SAP will terminate eligibility for financial aid.

SAP Criteria Include:

  • Maintaining a successful pace of completion of at least 80% of coursework completed. Pace is measured by dividing the cumulative number of hours successfully completed by the cumulative number of hours attempted.
  • Attempted coursework is defined as any course in which a student is enrolled at the end of the 100% refund period.
  • Successful completion of coursework is defined as receipt of a grade of A, A-, B+, B, B-, C+, C,C-, D+, D, D-, or CR if a course is credit no credit course.
  • Unsuccessful completion of coursework is defined as receipt of a grade of F, I, W, or NC.
  • Credit hours officially accepted in transfer and specifically applied toward a student’s degree program are counted as both attempted and completed hours.

The limit of attempted credit hours and minimum cumulative GPA requirements are as follows:


Degree Program Attempted Hour Maximum GPA
Master of Divinity 114 2.30
Master of Arts 72 2.30
Master of Arts in Pastoral Studies 72 2.30


Repeated coursework is counted as many times as the course is repeated in the computation of total hours attempted.

Courses that are assigned an incomplete grade are included in the cumulative hours attempted but cannot be used as credits earned toward progress standards until a successful grade is assigned.

Financial Aid Warning Status

Satisfactory Academic Progress will be reviewed after each enrollment period. Financial aid already offered for the following enrollment period(s) may be canceled if academic progress is found to be unsuccessful during this review.

If progress is determined to be insufficient during the review process, students will be placed on Financial Aid Warning status. Students will receive written notification when placed on Financial Aid Warning status.

Students on Financial Aid Warning status will be eligible to continue to receive federal financial aid.

If satisfactory progress is not made during the semester while on Financial Aid Warning status, eligibility for all future aid will be terminated. Students will receive written notification of termination of financial aid eligibility.