Estimate Your Annual Cost

One concern for many of our future students is the cost of seminary education. At CTSFW we’re aware of the strain that student loan debt can place on our graduates and we’re working with districts, congregations and Synod to solve that problem. One piece of that solution is doing everything we can to keep costs low, make sure you’re getting value for your money and find the best sources of financial aid to care for you and your family. If you have questions, please contact our admission department at admission@ctsfw.edu

(All numbers are current as of the academic year.)

We’ll need some information about you:

Family

Finances

Academics

Spending

Calculate Costs

1. About Your Family:

Are you married or single?
How many children do you have living at home?

20%

2. About Your Finances:

What is your EFC from your FAFSA? If you have not completed your FAFSA, you can obtain an estimated EFC from the College Board EFC Calculator using the federal methodology (FM). We need your EFC to calculate your Seminary Tuition Grant. Click here for the College Board EFC Calculator
What is the total value of any outside scholarships or grants?Do not include district aid or aid from your home congregation.
What is your home district?
What support can you expect from your district? We suggest using the average for your district. On average, CTSFW students from the District recieved per year over the last two years.
What support can you expect from your home congregation?We recommend budgeting based around the average received. While we ask the home congregation to contribute $4,500 to offset the cost of seminary, on average, CTSFW students received last year.

40%

3. About Your Academics

Have you passed your Greek ELCE?
Have you passed your Hebrew ELCE?
Have you passed your Old Testament ELCE?
Have you passed your New Testament ELCE?
Have you passed your Christian Doctrine ELCE?
Did you graduate from a Concordia University System school or from Valparaiso University?
How many credits will you take this year?Most students in your program average credits per year.

60%

4. About Your Spending:

How much will you spend on housing and food?The average costs for single CTSFW students living with two or more children is $12,990.
How much will you spend on books and supplies?The average for CTSFW students last year was $2,100.
How much will you spend on transportation?The average for CTSFW students last year was $1,800
How much will you spend on health insurance? The costs for Concordia Health Plan for 12 months are: Student only: $3,006 Student and spouse: $6,954 Student and children: $6,654 Student, spouse and children: $10,590
How much will you spend on other personal expenses?The average for CTSFW students last year was $3,210
How much will you spend on loan fees?The average for CTSFW students last year was $189
How much will you spend on childcare expenses? The average for CTSFW students last year was $2,700 for the first child and $1,500 per additional child. Most students with more than two children find alternatives to paid childcare to offset cost. If you have alternate plans, please fill in the costs (if any) here.

80%

5. Press the button below to calculate your costs.

Calculate Your Costs

Click to calculate your personal costs.

100%

Here are your results:

Pre-Seminary

Tuition Costs

Tuition Grant

Other Costs

Other Aid

Annual Total

Total Program Cost

Pre-Seminary Course Costs

	CTSFW
Greek
Hebrew
Old Testament
New Testament
Christian Doctrine
Total Cost for Pre-Seminary Courses

14%

Tuition Costs

	CTSFW
Cost Per Credit Hour
Credits Taken this Year
Tuition Costs for this Year

28%

Seminary Tuition Grant

	CTSFW
Seminary Tuition Grant Percentage
Based on the EFC you provided, you qualify for less than % of the CTSFW Seminary Tuition Grant. This number is lower than we want it to be, but it appears you may qualify for the CTSFW minimum tuition grant. To apply for the CTSFW minimum tuition grant, download the application form and submit by email to finaid@ctsfw.edu, by FAX to 260-452-2257 or by US mail. Apply for Minimum Tuition Grant
Tuition Grant Amount
Tuition Remaining After Grant

42%

Other Costs

Cost	CTSFW
Seminary Fees
Loan Fees
Housing and Food
Transportation
Books and Supplies
Health Insurance
Other Personal Expenses
Childcare Expenses
Total of Other Costs

56%

Other Aid

Source of Aid	CTSFW
Student Adoption
District Aid
Home Congregation Support
CUS/Valparaiso Grad Award
Full Time Church Worker Grant
Outside Scholarships
Total of Other Aid

70%

Summary of Total Cost to You

	CTSFW
Pre-Seminary Courses
Tuition
Other Costs
Total Cost Per Year
Seminary Tuition Grant
Other Aid
Remaining Cost to You After Aid

85%

Full Program Costs

	CTSFW
Year One
Year Two
Vicarage
Year Four
Remaining Credits Credits remaining to finish your degree, likely due to pre-seminary courses taken. These will probably be taken in the four years, but aren’t included in the averages above.
Total Cost to You

100%