Financial Aid

The financing of a seminary degree is, above all, reliance upon God’s provision. Students finance their studies through their personal resources, the support of their home church, family and friends, being employed either off or on campus, and RTS financial assistance. If the Lord is calling you into His service, you can be assured that He will provide for your financial needs.

RTS is extremely blessed to have generous donors who substantially underwrite our tuition costs in order to reduce the amount we have to charge students. Because of their generosity, the tuition costs at RTS are reduced by two-thirds (67%) of the real cost. Thankfully, it is customary for our graduates not to incur additional debt for their seminary education. RTS is distinct in this important aspect of preparing students for successful ministry.

What types of financial assistance are available?

Students may apply for any one of the following scholarships:


This program cultivates significant involvement of the student’s home church with the student and with the seminary. The CPP is a matching program which matches dollar for dollar up to 1/3 of the student's tuition cost. Most commonly this means the student pays for 1/3 of their tuition, the church contributes 1/3 toward the student's tuition, and RTS contributes 1/3 toward the student's tuition. The church can pay for more than 1/3 of the student’s tuition which will reduce the amount that the student owes.

Learn more about the Church Partnership Program


Graduates of Covenant College, Gordon College, Grove City College, Moody Bible Institute, Wheaton College, Belhaven College, and Reformation Bible College can qualify by having a professor, chaplain, or administrator complete one of the required admissions references.

  • 50% tuition awards for MDiv students
  • 25% tuition awards for MA students


RUF interns or a student who faithfully participated for at least two years can qualify by having their RUF campus minister complete one of the required admissions references.

  • Tuition awards for Interns: 90% for MDiv & 67% for MA
  • Tuition awards for Student Leaders: 50% for MDiv & 25% for MA


Current or former staff members of RYM, Campus Outreach, Cru, Young Life, Navigators, and Inter-Varsity Christian Fellowship who have served at least 2 years can qualify by having their campus ministry leader or supervisor complete one of the required admissions references.

  • 50% tuition awards for MDiv students
  • 25% tuition awards for MA students


Current missionaries on the field, those preparing to go to the field, or internationals working with MTW, Pioneers, and Wycliffe can qualify by having their supervisor complete one of the required admissions references.

  • 50% tuition awards for MDiv students
  • 25% tuition awards for MA students


Spouses of full-time students may apply for a 100% tuition award for MDiv, MA, and Certificate programs. The scholarship is awarded to the spouse earning the degree with equal or fewer credit hours. If either spouse is enrolled in the MAC (Orlando) or MAMFTC (Jackson) program, the Spouse Partnership is a 50% tuition award. Recipients may continue to benefit from this award up to 24 months from the graduation of their spouse.


Students, who do not qualify for another award, with a high financial need, may apply for tuition assistance by submitting a financial aid application and IRS form 1040 to the admissions department. Need-based scholarships are only available to MDiv and MA students; Certificate students and Special Students are not eligible.


A limited number of Hughes Scholarships are awarded to incoming residential Master of Divinity students at our five MDiv campuses: Jackson, Orlando, Charlotte, Atlanta, and Washington DC. This full-tuition scholarship is designed to gather the most promising of those called to pastoral ministry and to continue to shape their character through residential life-on-life training to equip the next generation for a ministry of pastoral excellence.

  • 100% tuition awards for MDiv students + $1,000-per-year book stipend (up to $3,000)
*Time limits apply to these scholarships based on the student’s degree program.
  • For MDiv students: 5 years of continuous study.
  • For MA students: 3 years of continuous study.
  • For Certificate students: 2 years of continuous study.

*Scholarships exceeding 50% tuition will always be capped at 50% when applied to Distance Education.


Part-time jobs are available on some of our campuses and require applications. Normally, these jobs are for 10 hours of work per week with a maximum of 20 hours. Contact the admissions office on the campus you wish to attend for further information.


The following campuses are able to receive GI and Post 9/11 benefits: Orlando, Charlotte, Global, and Washington, DC.

How to Apply

Students can apply by submitting the downloadable aid application to the admissions department of the campus to which they are applying. Students applying for the Church Partnership Program should also have their church complete and submit the Church Statement of Intent Form. The budget worksheet is not required, but is provided as a helpful tool.


  • Summer New Students: Priority deadline is March 15. Regular deadline is May 15.
  • Fall New Students: Priority deadline is May 15. Regular deadline is July 15.
  • Winter/Spring New Students: December 1

Campus-Specific Financial Aid Opportunities

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Whether you're a prospective student, current student, alumnus, donor, or friend of RTS, we would love to hear from you.

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