Scholarships & Tuition

We keep our programs affordable, while providing several ways for students to pay their tuition and fees.

Explore Your Tuition and Financial Aid Options

At Central Seminary, we do everything we can to make our programs affordable, while providing several ways for students to pay for their tuition and fees. We invite you to compare the cost, benefits, and overall experience we offer at Central Seminary to other theological seminaries. Take some time to review the information below about our tuition rates and financial aid options.

Our student body is made up of a diverse, global community of learners from all walks of life and cultures. Most students rely on some form of financial aid or scholarship program to pay for their education. To find the right solution for your situation, simply use the contact form on this page to connect with our advisors. They will help guide you in the right direction, so you can focus on your education and ministry vocation.

Types of Financial Aid Options for Students

Students at Central Seminary have multiple options to pay for their education. Before you commit to private student loans, make sure to review any scholarship opportunities that you may qualify to receive. It is common for students to use a variety of financial aid options to fund their seminary program. Our staff is committed to doing everything we can to help you understand what is available for you, and how to easily navigate the application process.

Scholarships and Grants

Students can apply for scholarships and grants offered through Central Seminary and outside organizations. At Central Seminary, you can apply for three types: denominational, endowed, and need-based scholarships. Denominational scholarships are available to seminarians who are members of the Central Region of the American Baptist Churches or the Cooperative Baptist Fellowship. Endowed scholarships are funded by individuals and faith organizations who support our spiritual mission. Need-based scholarships are reserved for students who are experiencing extremely difficult financial circumstances.

Outside organizations also offer scholarship and grants for seminary students. Be sure to check with your church to see if they have resources available for you to review. Your local chapter of the Order of the Eastern Star is another organization that supports individuals seeking to become ministry leaders. Many non-faith companies and organizations offer tuition assistance for their employees, including seminary degree programs. If your employer offers this benefit, speak with them about the approval process for the program at Central Seminary that interests you.

Online resources to check for additional scholarships include:

Private Student Loans

Some students rely on private student loans for some or all of their tuition costs. When you talk to us about financing your education, we can help direct you towards options that offer competitive interest rates and low fees. When you apply for private loans, make sure you understand what the repayment terms will be after the 6-month deferment period, as well as the anticipated income after completing the program.

private student loan is a non-governmental loan made from a private lender to an individual for the purpose of paying educational expenses such as tuition, room and board and other school-related costs. Traditionally, private student loans are used to cover unmet needs or the “gap” (costs not covered by scholarships or financial aid offered by your school and/or other agencies). The interest rate is determined by your credit history and your co-signer’s credit history should you apply with a co-borrower. Interest begins at disbursement, while in school and during the six-month separation or grace period. When students enter repayment, unpaid interest will be added to the student’s current principal.

Students are encouraged to evaluate all anticipated monthly loan payments and their expected future earnings before considering a private student loan. Students must be a U. S. citizen or a permanent resident or a non-U.S. citizen borrower with a credit worthy co-signer (who must be a U. S. citizen or permanent resident)

Cost of attendance (COA) at Central Baptist Theological Seminary includes tuition, books, fees, room and board and miscellaneous expenses that students deal with during their degree program. The COA for students attending CBTS during the 2021-2022 academic year is $28,887. This is based on full-time enrollment. Students attending less than full-time will have the COA adjusted by the Financial Aid Administrator after the application is submitted and course registration is reviewed.

The total loan amount the private lender approves may differ from the amount for which the student is eligible (COA minus all other student aid). In this case, the amount that is certified will not be the amount the lender approves.


The 2021-2022 academic year consists of the following terms:

  • Fall – August 23 – December 13, 2021
  • Ordinary – August 30 – November 22, 2021
  • Lent – January 10 – April 4, 2022
  • Spring – January 24 – May 13, 2022
  • Easter – May 2 – July 25, 2022

Typically, funds will be available to the student during the first two weeks of the term and will arrive at Central Seminary in two equal disbursements for students enrolled in two semester programs and three equal disbursements for students enrolled in trimester programs.

Students who apply for the private loan at will find most of their questions answered during the application process. Other questions may be sent to Randy Allen, Financial Aid Administrator.  For more information about SallieMae Graduate Loans, including borrower responsibility, click here.

Veteran Financial Assistance

At Central Seminary, we value the service of our students who are veterans. If you are a veteran, we can process your tuition benefits through the VA-ONCE account once you’ve submitted your certificate of eligibility (COE) to the Registrar’s office. This makes it seamless for veterans who have been approved tuition assistance through the VA to enroll at Central Seminary.

Cost of Attending Central Seminary

Here is a quick breakdown of the latest basic tuition and fee costs associated with Central Seminary degree programs.



Books (estimate)

Make Your Seminary Education Possible

Are you ready to learn more about the best financial aid options for you? Take a quick moment to fill out the contact form here. From there, an advisor will reach out to learn more about your current situation, educational interest, and the ministry goals that inspires your vocation. We hope to be part of your journey as you seek spiritual growth through serving others.

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