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Tuition and Fees

The generous support of churches and individuals keeps the cost of attending Mid-America relatively low compared to other theological institutions. In addition, financial aid, scholarship, and on-campus employment are available for students to help cover their expenses.

All Amounts in U.S. Funds

Tuition (per credit hour) $290.00
Application Fee $40.00
Graduation Fee $60.00
Annual Activity Fee $100.00
Regular $100.00
Alumni $30.00
Student's spouse $15.00


All Amounts in U.S. Funds

Tuition and Fees $8,600 $8,600
Books $750 $750
Housing $9,000 $7,250
Utilities $2,500 $1,500
Food $3,000 $1,500
Transportation $1,000 $1,000
Medical Expenses and Health Insurance $4,500 $1,000
Miscellaneous $2,000 $1,000

Payment Options

Tuition is due at registration. Students expecting to receive financial assistance from any external source should make arrangements in advance to have the minimum payment in time for registration. If the source cannot meet the financial requirements by registration, then the financial requirements become the student’s responsibility.

Deferred payment is allowed, but students must pay a minimum of 25% of tuition at registration. A finance charge of 0.5% per month(6% APR, accrued monthly) will be charged on the balance of all unpaid accounts.

All charges are due according to the following schedule:

Fall Semester: Last day of class
Interim: First day of class
Spring Semester: Last day of class
Summer Greek: First day of class

The Seminary will withhold diplomas, transcripts, and grade reports until accounts are paid in full. Students will not be able to register for their next term until accounts are paid in full or arrangements are made.

The estimated total cost of educational and living expenses for nine months ranges from $15,000 for single students to $28,000 for married students.

Financial Aid

Mid-America recognizes the financial pressures of full-time seminary study and does all it can to make such study as affordable as possible. Tuition covers only a small portion of Mid-America’s cost of operation. The largest portion is covered by the sacrificial giving of many of God’s people. Thus, all students receive a significant amount of financial aid in the form of tuition that is lower than the actual cost of their education. Therefore, we expect students to do some of their own work in raising funds from churches, family, and other outside sources. We also expect students to utilize their own savings and investments. When possible, student spouses should seek employment.

Work study – On-campus employment, which includes grounds and maintenance, library assistance, audio recording, security, and more. Preference is given to Canadian and international students. Applications for work study can be filled out at registration.

Scholarships – Awards are made in the summer and are based on high academic standing and other criteria as specified. Scholarships are available for full-time M.Div students who meet specific criteria. Scholarship applications are included in the Application for Financial Aid. Applications are due by August 1, and awards are announced at the first chapel of the academic year. Click here for a list of scholarships available through Mid-America.

Grants – Awards are based on financial need. They can be applied to tuition or in some cases given directly to the student to help with living expenses.

1. Fill out the Financial Worksheet using your projected financial situation for next year. Use the completed form and the attached letter to speak with your diaconate about your finances. Your deacons should help you budget if you need help. The Seminary can help estimate cost of living for those who are coming from out of the area. Please do this promptly so your church can include this in its budgeting process.

2. Fill out the Financial Aid Application.

Forms will not be processed until you have been admitted.

The application deadline is May 1. Any applications received after that date will be considered at a reduced rate based on the availability of funds.

Aid is awarded for one academic year at a time. The financial aid committee reserves the right to reevaluate aid should your financial situation, degree program, or intended course load substantially change.

Priority for aid is given to full-time M.Div. students.

3. Turn in the Financial Aid Application and a signed copy of the Financial Worksheet.

Note that the scholarship application is part of the financial aid application. If you would like to be considered for scholarships, but are not requesting a grant, please note that on the form. To be eligible for a scholarship based on financial need, you must fill out all the financial information and outside assistance information.

Financial aid awarded by Mid-America is confidential between the student and the Student Aid Committee. Aid may be discussed with your council or session, but should not be discussed with other students. Any such discussion with students could result in the forfeiture of financial aid.

Raising Funds

Raising funds from family, friends, and other outside sources is important as you go through seminary. The sooner you begin to communicate with family and friends and apply for outside scholarships, the better your chances of receiving assistance. Below is a list of potential outside scholarships. The Seminary also encourages writing support letters to family, friends, those you have ministered to, etc.

These scholarships are offered by external sources, and Mid-America does not have any additional information on, or applications for, these scholarships. Use the links provided for more information. Applications deadlines vary; it is the student’s responsibility to apply on time. The listing of an organization should not be interpreted as an endorsement of the organization.

Veterans Education Benefits
Mid-America participates in GI benefits. For more information go to

Acton Institute Calihan Fellowship
The Calihan Academic Fellowships provide scholarships and research grants to future scholars and religious leaders whose academic work shows outstanding potential. Applicants must demonstrate the potential to advance understanding in the relationship between theology and the principles of the free and virtuous society. Such principles include recognition of human dignity, the importance of the rule of law, limited government, religious liberty, and freedom in economic life. For more information go to

Champions for Christ
Champions for Christ Foundation, Inc. exists to assist students who are preparing for Christian ministry by granting scholarships to those committed to going into full time Christian service. For more information go to

Christian Community Credit Union
You must be a member of the Credit Union to apply. You may, however, open an account when you apply for the scholarship. For more information go to

Fund for Theological Education
FTE’s mission is to call and cultivate a new generation of leaders to serve the church and the world. FTE offers three different fellowships to seminarians. For more information go to

Harvesters Scholarship
The Harvesters Scholarship Foundation aims to provide for the needs of missionaries in training. For more information go to

International Order of the King’s Daughters and Sons
Student Ministry Scholarships are provided to students preparing for full time religious vocations enrolled in M.Div. programs and who are citizens of the U.S. or Canada. For more information go to

Korean American Scholarship Foundation
The Korean American Scholarship Foundation helps to meet the financial needs of Korean American Students seeking higher education. For more information go to

Wm. B. Leonard Scholarship

Given on behalf of the Presbyterian and Reformed Commission on Chaplains and Military Personnel, this scholarship is available for men sensing a call to the civilian or military chaplaincies. Application

Leopold Schepp Foundation
Scholarships are given to U.S. citizens or legal residents who exhibit excellent character, scholastic achievement and need. An interview in New York is required. For more information go to

Marguerite Young Endowment Fund
The Marguerite Young Endowment Fund offers scholarships to assist seminary students preparing for full-time ministry in a Protestant Church. For more information go to

Military Chaplain Association
Chaplain Candidate Scholarships are available to students who are enrolled full time, have an ecclesiastical endorsement for future ministry as a military chaplain, and have an appointment and active service as a “Chaplain Candidate” in one of the Armed Services. For more information go to

New Life Church of Chicago Scholarship Program
Awarded to Korean Americans preparing for pastoral ministry. For more information, go to

Opal Dancey Memorial Foundation
Scholarships are awarded to students pursuing a Master of Divinity from an accredited seminary within the Great Lakes region. For more information:

Roothbert Fund, Inc.
The fund was created to help men and women who are primarily motivated by spiritual values and who are in need of financial aid to further their education. Preference will be given to those who can satisfy high scholastic requirements and are considering teaching as a vocation. Preference will also be given to students who live in eastern United States. For more information go to

Schumaker Foundation
Offers scholarships to students of ATS accredited schools for both tuition and textbooks.
The website offers a $1,000 scholarship with an added digital theological library. Scholarship is not based on degree track, need, denomination, or demographic. Interested students must visit the website and view a demonstration of Logos Bible Software, and then fill out a brief application. For more information go to