Charlotte Christian College and Theological Seminary Outcomes

Graduates face significant financial challenges with a debt-to-earnings ratio of 53%, meaning they owe more than half their annual salary. The median debt of $18,000 requires monthly payments of $191, consuming about 7% of typical graduate income. Most seminary graduates enter ministry roles, nonprofit work, or continue to doctoral programs where starting salaries often lag behind other professional fields. The 18.57% loan repayment rate suggests many struggle to make payments on schedule. Over 70% of students rely on federal loans to finance their education. While the seminary prepares students for meaningful ministry careers, the financial mathematics point to a weak return on investment compared to other graduate programs.