How Much Does a Theology Degree Cost?

Typical 2026 tuition ranges

Costs vary widely by school and denomination. Rough ranges per credit hour and total program:

• Associate in Biblical Studies: $300–$550 / credit • ~$20,000–$35,000 total
• Bachelor's in Theology / Bible: $400–$1,200 / credit • ~$50,000–$140,000 total
• Master of Divinity (MDiv): $500–$900 / credit • ~$45,000–$80,000 total (72–90 credits)
• MA in Theology / MTS: $500–$900 / credit • ~$30,000–$55,000 total (48–60 credits)
• Doctor of Ministry (DMin): $600–$1,000 / credit • ~$25,000–$40,000 total
• PhD / ThD in Theology: typically fully funded at top research programs; unfunded programs can exceed $80,000.

Denominational discounts

Southern Baptist seminaries offer heavy tuition discounts (sometimes 50%+) to members of SBC churches. PCA, Free Methodist, C&MA, and Assemblies of God schools all have similar patterns.

Ways to lower the bill

• Denominational scholarships and matching grants
• Employer / church tuition assistance
• FAFSA for regionally-accredited schools (federal loans, sometimes Pell)
• Starting at a community college and transferring in general credits
• Choosing a shorter MA over an MDiv when ordination doesn't require the MDiv