TUITION

New Tuition Structure for U.S. Students (Beginning Fall 2025)

SUM Bible College and Theological Seminary is committed to offering an affordable, Spirit-empowered education that equips students to fulfill their calling—without the burden of student loan debt. Beginning Fall 2025, we are introducing a new tuition structure for all U.S. students that aligns with our mission and ensures long-term financial sustainability.

Flat-Rate Tuition

All U.S. students—undergraduate and graduate—will pay a flat tuition rate of $1,600 per term, which can be paid in monthly installments of $400 per month. Additional fees may apply based on program and course selection.

Lower Your Monthly Cost

Students have two options to reduce their monthly tuition payment to just $200 per month:

Direct Support: Family, friends, churches, or other supporters can give directly toward your tuition account.
Mission-Based Giving: Supporters can contribute to SUM’s overall mission to provide affordable, Spirit-empowered education globally. These gifts help keep tuition low for all students.

This model is based on the success of our Donation-Based Grant and World Missions Grant programs, which have already helped hundreds of students attend SUM affordably. We are now making this model our standard approach for all U.S. students.

No Student Loans, But Financial Aid Still Available

While SUM will no longer offer federal student loans beginning Fall 2025, we continue to offer Pell Grants for qualifying undergraduate students who complete the FAFSA.

Full Time Status*

Degree	Full-Time Credits
Associate of Arts in Theology and Ministry (AATM)	12
Bachelor of Arts in Theology and Ministry (BATM)	12
Bachelor of Arts in Worship and Music (BAWM)	12
Master of Arts in Biblical Studies (MABS)	6
Master of Arts in Christian Leadership (MACL)	6
Master of Divinity (MDiv)	6

* Full-time status is used to determine eligibility for Financial Aid.

Fees

Item	Frequency	Cost
Application Fee	One-Time	$20
ECO Conference Fee*	Per Year	$200
Directed Research Fee	Per Credit Hour	$100
Music Instruction Fee (BAWM Program Only)	Per .5 Credit Hour	$240
Graduation Fee	One-Time	$75 (Undergraduate) $150 (Graduate)
Transcript Fee**	Per Institution	$10

* ECO Conference is required for two years; a third year is optional but is not covered by Financial Aid since it is not a degree requirement.
** The first transcript request is complimentary.

Typical Expenses Per Term

SUM’s 2025-26 Cost of Attendance is based on California Student Aid Commission Data and may be reviewed at: 2025-26 Student Expense Budget

Unless otherwise stated, all costs are per trimester. Cost of Attendance will vary among International Cohorts. Prices subject to change.

Page Last Updated: June 30, 2025