Cost Details
- In-State Tuition
- $10,460
- Out-of-State Tuition
- $10,460
- Average Net Price
- $21,042
- Students Receiving Financial Aid
- 52.9%
- Room & Board (On Campus)
- $7,380
- Room & Board (Off Campus)
- $13,293
- Books & Supplies
- $800
- Total Cost of Attendance
- $18,640
- Median Debt at Graduation
- $26,677
- Estimated Monthly Loan Payment
- $283/mo
- Loan Repayment Rate
- 31.2%
- Students Taking Federal Loans
- 51.9%
- Pell Grant Recipients
- 52.9%
Net Price by Family Income
Average annual net price after grants and scholarships. Source: U.S. Department of Education
| Family Income | Average Net Price |
|---|---|
| $0 – $30,000 | $19,744 |
| $30,001 – $48,000 | $19,320 |
| $48,001 – $75,000 | $21,081 |
| $75,001 – $110,000 | $24,025 |
Cost Estimator
Cost Overview
Families actually pay between $19,320 and $24,025 annually depending on income, with middle-class families ($48-75K) paying around $21,081. Over four years, expect to spend roughly $84,000 total. The $10,460 tuition stays the same for all students, but financial aid varies dramatically by family income.
Graduates leave with $26,677 in median debt, translating to $283 monthly payments. Those payments eat up about 9% of the typical graduate's $35,418 salary after ten years. Only 31% of borrowers stay current on loan payments, suggesting many struggle financially post-graduation. More than half of students receive Pell Grants, indicating significant financial need across campus. Just 9% receive institutional grants averaging $6,083.
Lower-income families get the best deal here, paying the same as wealthier families despite SUM's mission-driven focus on training ministers and church workers.
Graduates leave with $26,677 in median debt, translating to $283 monthly payments. Those payments eat up about 9% of the typical graduate's $35,418 salary after ten years. Only 31% of borrowers stay current on loan payments, suggesting many struggle financially post-graduation. More than half of students receive Pell Grants, indicating significant financial need across campus. Just 9% receive institutional grants averaging $6,083.
Lower-income families get the best deal here, paying the same as wealthier families despite SUM's mission-driven focus on training ministers and church workers.
Official Net Price Calculator
Get a personalized cost estimate from SUM Bible College and Theological Seminary:
Visit Official Net Price CalculatorThis links to the school's federally-required net price calculator for a personalized estimate.