COST AND AID

Working for You on Your Budget

Funding your academic training is one of the most important aspects of completing your degree program. Midwestern Seminary is happy to equip you with various methods to manage the cost of your education. You can find more information below and even apply for scholarships, financial aid, and military assistance.

How Much Does it Cost?

Undergraduate

SBC

2025–26 Academic Year

Verified SBC students

Per Credit Hour

$390

Tuition (12 Hours Per Semester)

$4,680

Semester Fees

$600

Semester Food & Housing

$5,545

Per Semester Total

$10,825

Annual Total

$21,650

Per Credit Hour

$415

Tuition (12 Hours Per Semester)

$4,980

Semester Fees

$530

Semester Total

$5,510

Annual Total

$11,020

Undergraduate

Non-SBC

2025–26 Academic Year

Per Credit Hour

$499

Tuition (12 hours per semester)

$5,988

Semester Fees

$600

Semester Food & Housing

$5,545

Semester Total

$12,133

Annual Total

$24,266

Per Credit Hour

$495

Tuition (12 hours per semester)

$5,940

Semester Fees

$530

Semester Total

$6,470

Annual Total

$12,940

Master's

SBC

2025-26 Academic Year

Verified SBC students

Per Credit Hour

$315

Tuition (9 hours per semester)

$2,835

Semester Fees

$600

Semester Total

$3,435

Annual Total

$6,870

Per Credit Hour

$390

Tuition (9 hours per semester)

$3,510

Semester Fees

$530

Semester Total

$4,040

Annual Total

$8,080

Master's

Non-SBC

2025-26 Academic Year

Per Credit Hour

$515

Tuition (9 hours per semester)

$4,635

Semester Fees

$600

Semester Total

$5,235

Annual Total

$10,470

Per Credit Hour

$460

Tuition (9 hours per semester)

$4,140

Semester Fees

$530

Semester Total

$4,670

Annual Total

$9,340

Doctoral

SBC

2025-26 Academic Year

Verified SBC students

Per Semester

$3,475

Total

$27,800

Per Semester

$1,975

Total

$11,850

Per Semester

$1,825

Total

$14,600

Per Semester

$2,488

Total

$19,900

Doctoral

Non-SBC

2025-26 Academic Year

Per Semester

$5,325

Total

$42,600

Per Semester

$2,917

Total

$17,500

Per Semester

$2,350

Total

$18,800

Per Semester

$3,788

Total

$30,300

Doctoral Tuition Schedule

PhD, DEdMin, and EdD: Tuition is paid monthly for 48 months, during which times students are required to be continuously enrolled.

DMin: Paid monthly for 36 months, during which students are required to be continuously enrolled.

How Can I Pay for It?

Federal Pell Grant

Details: Does not have to be repaid. Available only to undergraduates.

Award Amounts: Up to $7,395 per academic year. Total amount not to exceed the equivalent of six years of funding.

StudentAid.GOV

Federal Work-Study

Federal Work-Study is available for on-campus and local Kansas City metro area students. Federal Work-Study is a program that allows eligible students with financial need as determined by FAFSA to earn money toward their education expenses through part-time employment.

Work-Study Eligibility Checklist

Work-Study Supervisor Checklist

Direct Loans

Subsidized Loans: Loan must be repaid with interest. For undergraduate students. The U.S. Department of Education may pay interest while borrower is in school and during grace and deferment periods. To be eligible, the student must be attending at least half-time and have financial need. Award amounts: $3,500–$5,500, depending on grade level.

Unsubsidized Loans: Loan must be repaid with interest. For undergraduate and graduate students. The borrower is responsible for all interest. To be eligible, the student must be enrolled at least half-time; financial need is not required. Award amounts: $5,500–$20,500 (less any subsidized amount received for the same period), depending on grade level and dependency status.

For total lifetime limits and current interest rates, go to StudentAid.gov/sub-unsub. To obtain loans, students must also complete Master Promissory Note and entrance counseling at studentaid.gov.

The Office of Financial Aid has established a set of principles and policies to govern educational lending practices for undergraduate, graduate, and professional students. Our staff will follow this Code of Conduct to ensure the integrity of the student loan process.

The Student Loan Code of Conduct is available for review.

Questions About Financial Aid?

For questions, please schedule a call with our Financial Aid Counselor or email us at [email protected].

You can use the Net Price Calculator to see an estimate of the scholarships and other financial aid you may be eligible to receive.

Our school code to use for the FAFSA is 002485.

Merit-based Scholarships

Over the years, Midwestern Seminary and Spurgeon College has committed its institutional resources to help students earn a biblical education that is second to none and more affordable than all. To advance these efforts, new scholarship opportunities have been developed for incoming students. All new students are encouraged to apply for the following scholarship awards:

Scholarship Name Amount Prerequisites*
The Charles Spurgeon Award for Christian Leadership $5,000 Full–Time Students, 3.75 or Higher Incoming GPA, On-Campus Students Only
The Millard Berquist Founders Award $2,500 Full–Time Students, 3.50 or Higher Incoming GPA, On-Campus Students Only
The Lottie Moon Ministry Award $1,000 Full–Time Students, 3.00 or Higher Incoming GPA, On-Campus and Online Students

*Prerequisite criteria determines who will be considered for each award but not who will receive each award. Students who meet the prerequisites are not guaranteed a scholarship award.

Endowed Scholarships

MBTS and Spurgeon College students benefit from scholarships donated by over 60 various individuals and organizations. These endowed scholarships are awarded based on several different criteria. Most endowed scholarships are need–based, so the student is also encouraged to complete the FAFSA. All new and current residential students are welcome to apply, though current residential students will be prioritized. Apply for all of these scholarships by completing the Institutional Scholarship Application.

How to Apply

To apply for merit-based and/or endowed scholarships, complete the Institutional Scholarship Application before the appropriate deadline.

Deadlines

Fall
Priority Deadline: March 15
Final Deadline: May 1

Spring
Final Deadline: November 14

Questions About Scholarships?

For questions, please schedule a call with our Financial Aid Counselor or email us at [email protected].


Other Scholarships and Grants

Student Leadership Program

The Student Leadership Program is an annual opportunity beginning each fall for seminary and college residential students to develop in leadership skills through campus involvement. Participating students will receive a $2,000 stipend per semester.

FTC Cohorts

Residential master’s students in any of our seven For the Church Cohorts receive a 100% tuition discount for up to 18 hours of course credit in their first year.

Student’s Spouse Tuition Grant

Spouses of full-time, degree-seeking students taking on-campus classes are eligible to receive a Student’s Spouse Tuition Grant.

Student’s Child Tuition Grant

Children of full-time, degree-seeking students taking on-campus classes are eligible to receive a Student’s Child Tuition Grant.

Spurgeon College Ambassador Program

The Spurgeon College Ambassador Program is an annual opportunity for college students o develop their skills through serving the college’s residential programs and events. Students can receive a $1,000 stipend and 1 free class per semester.

Spurgeon Center Scholarship

The Spurgeon Center offers $500 scholarships to Spurgeon Center Scholars who work closely with the Curator of the Spurgeon Library.

Church Contribution Scholarship

First-year residential students whose church donates a minimum of $500 toward their education are eligible to apply for this $250 scholarship. Submit this form to [email protected].

Spurgeon College Internship

Spurgeon College Interns serve the Dean of the College with research and recruiting efforts. Interns receive a $1,000 stipend and 1 free class per semester.

Fusion Scholarship

Students who have completed Fusion are eligible for a scholarship that covers one on-campus course the fall semester immediately following the completion of Fusion.

Missions Scholarships

MBTS offers scholarships for IM personnel, and returning Journeyman/ISC participant.

State Scholarships

MBTS and Spurgeon College work with students who receive third-party scholarships. See third-party scholarship programs by state.

Department of Defense (DOD) Tuition Assistance (TA) Program

Midwestern Seminary is a signatory of the Department of Defense (DOD) Tuition Assistance Program Memorandum of Understanding (MOU) and is eligible to receive TA. TA is not a loan; it should be viewed as money earned, just like base pay. TA is paid directly to Midwestern by the individual service branch for tuition charges within prescribed TA limits.

Military Tuition Assistance (TA) is a benefit paid to eligible members of the Army, Navy, Marines, Air Force, and Coast Guard. The Tuition Assistance Program will fund a student’s tuition costs within the following limits: 

  • Not to exceed $250 per credit hour or $166 per quarter credit hour.
  • Not to exceed the annual TA limit per fiscal year (October 1–September 30). 

Each branch of the military has their own annual TA limit. Please consult with your Education Center and your Education Services Officer to determine your eligibility for the TA program and your annual TA limit. Students who intend to use TA are encouraged to contact their Education Center at least 60 days prior to their anticipated enrollment date. 

Department of Veterans Affairs (VA) Educational Assistance

Midwestern Seminary participates in receiving benefits under the following program chapters from the U.S. Department of Veterans Affairs:

30 – Montgomery GI Bill®-Active Duty

31 – Vocational Rehabilitation and Employment (VR&E)

33 – Post-9/11 GI Bill®

35 – Dependents’ Educational Assistance program, or DEA

1606 – Montgomery GI Bill®-Selected Reserve

1607 – Reserve Educational Assistance Program (REAP)

For more information, login at https://benefits.va.gov/gibill/

New Students: New students are responsible for providing a copy of their Certificate of Eligibility or Statement of Benefits from the VA to Midwestern Seminary prior to enrollment certification. Students can submit these documents to the Military Education Liaison by sending an email to [email protected]. Students receiving benefits under Chapter 31 should inform the Military Education Liaison of their intent to use their benefits so that the Military Education Liaison can work with the student’s VR&E counselor for the necessary documentation to begin enrollment certification.

Current Students: For each term of enrollment that a student intends to utilize their VA education benefits, they must complete the VA Education Benefits Request Form by the published registration deadlines in the Midwestern Seminary Academic Catalog. Failure to submit this form on time may result in delays in the payment of benefits by the VA.

Additional Information: Undergraduate and Accelerate students who are eligible for VA education benefits are eligible under a different facility code and school name. To apply for VA education benefits under Spurgeon College, please use the following school name: Midwestern Baptist Theological Seminary DBA Spurgeon College.

Online graduate students who are eligible for a housing allowance as a part of their VA education benefits should consult with the Military Education Liaison prior to entering their desired program of study. Depending on the student’s anticipated courseload, they may not be eligible for full housing benefits. For questions, please contact the Military Education Liaison at [email protected].


GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs (VA).

What Are My Next Steps?

After receiving financial aid, scholarships, and other types of aid, the Financial Services Office can assist you in making payments or setting up monthly payment plans.

Visit Financial Services for more information and to view tutorial videos.

There are four primary ways to pay your bill:

  1. Using your financial aid and scholarships
  2. Payment in full
  3. Monthly payment plans
  4. International student payment