Upon acceptance to the M.Div. or related seminary program, the incoming student fills out the Free Application for Federal Student Aid (FAFSA) which serves as the basis for calculating the amount of grant-in-aid the incoming student receives.

This year, a student can receive up to a 50% reduction in tuition through grant-in-aid. Most of our students (90%) receive the maximum reduction of tuition through grant-in-aid.

Outside Scholarships

Many scholarships from various foundations and institutions are available to students based on academic ability, service work or geographical residence. Visit to see what outside scholarships are available this year.

It is important for the prospective student to finish his/her application early, so after acceptance into seminary, he or she may begin applying for outside scholarships.

District Aid/Congregational Aid

The Districts of the LCMS provide financial aid to seminary students. Some Districts distribute their aid each year the student is in school; some Districts distribute aid after the student graduates.

District awards a certain amount of money to a seminary student based upon the District's own criteria; therefore the amount a student receives can change from year to year, and from District to District.

District Aid Applications

District Aid Applications can be found on the FAQ tab of the Financial Aid page,

Deadlines for completing the District Aid Application range from April to August. Some Districts have their own forms which must be completed (see District deadline page). Before a first-year student's District Aid Application can be processed, the student must have:

Congregational Aid

After the student has been accepted and enrolled, the seminary asks the student's congregation for financial assistance for the student. The amount congregations donate varies based on the individual congregation's ability.

Student Adoption

CTS offers additional aid to students by matching seminary donors with students in financial need. These donors could be congregations or individuals who greatly value the pastoral ministry and deaconess service and place a high importance on residential seminary education for the building up of the church.

In return for the donor's generous prayers and encouragement, the students correspond regularly, sometimes even visiting the individuals and congregations who are supporting them. This partnership between donor and student is mutually beneficial since the students are introduced to the actual persons who are supporting them financially, and donors have the opportunity to meet the students who are receiving their funding.

Because each student is assigned to a different donor or set of donors, the amount received varies for each student. The seminary attempts to match each student who applies for Student Adoption with at least one adopting donor.

Food & Clothing Co-op

Many seminarians experience a decrease in family income during enrollment as typically only one member of the household is working full time. To help with grocery, household items and clothing, CTS offers the exceptional services of the Food & Clothing Co-op.

Food Co-op

The Food Co-op portion meets students' needs by providing an average of 75% of a family's weekly grocery needs. It is continually stocked with grocery staples such as bread, milk, eggs, cheese and chicken of which there is never a short supply, complemented by varying offerings of produce, pasta and cereal, canned goods and household staples such as paper towels, diapers, laundry detergent and toiletries.

Clothing Co-op

The Clothing Co-op section meets students' needs by providing clothes for every member of the family at no cost. A large dorm on campus remains fully stocked with gently-used (and sometimes new) men's, women's and children's clothing, as well as household items such as appliances, furniture and dishware.

Kind-hearted Donations

The supplies in the Food & Clothing Co-op are continually replenished by the kind-hearted donations of families, congregations and other benevolent organizations.

Service Work

In exchange for utilizing the Food & Clothing Co-op, students work one to five hours per month in the Co-op.