Your Seminary education is an investment not only in yourself, but also in the future of The Lutheran Church—Missouri Synod. Because of this, many people and organizations contribute to a variety of funding options, which we can explore with you, based on your needs, eligibility and program of interest.
2018-19 Financial Aid Policy for M.Div., RAR, Deaconess Studies
Beginning in the 2018-19 academic year, all Master of Divinity (M.Div.), Residential Alternate Route (RAR) and Deaconess Studies students are guaranteed financial aid at least equal to the cost of tuition thanks to the generosity and support of Seminary donors. If an M.Div. or RAR student has a tuition shortfall after factoring in outside aid — scholarships, Adopt-A-Student support, district and congregational support — the Seminary will completely cover the shortfall with a Residential Program Grant. All Seminary-based financial aid are grants, not loans, and therefore do not need to be paid back. Other expenses incurred, including housing, insurance, books and other necessities, are the responsibility of the student.
In order to participate in financial aid, students are required to be admitted to a degree program and complete all required financial aid documentation prior to April 1. Required documents include the Seminary Financial Aid Application as well as the Free Application for Federal Student Aid (FAFSA). Please log in to SemNet to view the specific requirements of your program.
All of our students are classified as independent. Financial need eligibility will be based solely on the personal information you submit on the FAFSA and is not dependent on your parents’ income and/or financial history.
To receive the Residential Program Grant that covers any tuition shortfall, M.Div. and RAR students must sign a “Partnership Covenant,” agreeing to the policy and committing to maintain satisfactory academic progress, apply for scholarships, disclose all sources of financial aid and communicate regularly with Adopt-A-Student donors. Deaconess Studies students also must maintain their eligibility for the tuition grant by maintaining satisfactory academic progress, applying for scholarships and corresponding with donors.
Application forms must be filled out each school year for basic financial aid to be awarded and must be submitted before the deadline specified by the director of financial aid.
We encourage students to apply to independent foundations that support ministerial and theological education through the distribution of grants and scholarships.
Concordia Seminary, St. Louis’ Presidential Awards provide financial aid opportunities for incoming students who graduate from the colleges and universities of The Lutheran Church—Missouri Synod (CUS) or Valparaiso University (VU), and who have applied to a program in Ministerial Formation at Concordia Seminary.
Concordia Seminary, St. Louis’ Regent Awards are designed to help future pastors overcome financial barriers and fulfill their call to ministry.
To apply for district support, visit the CUS website. Find the representative from your district to find deadlines and to determine if you are required to provide information beyond the general district application.
Post-baccalaureate students are eligible for unsubsidized loans only. The federal direct unsubsidized loan program is not need based and provides loans based on the student’s total cost of attendance and anticipated financial assistance.