Cost & Aid

Emmanuel Christian Seminary at Milligan is dedicated to seeing our students receive a top quality, graduate level ministerial education. Our tuition is one of the lowest in the nation among seminaries, and we strive to award our students top scholarships. In addition, when you factor in the cost of living for our area, Emmanuel is a great value!

Tuition & Fees
Master of Arts in Christian Ministries (MACM), Master of Theological Studies (MTS)$500/credit hour
Master of Divinity (MDiv)$585/credit hour
Doctor of Ministry (DMin)$525/credit hour
Technology Access Fee (MACM, MDiv, MTS, DMin, Cert. in CMin): 6+ credit hours$375/semester
Part-time Technology Access Fee (MACM, MDiv, MTS, DMin, Cert. in CMin): 1-5 credit hours$200/semester
Lifetime Academic Records Fee$100 (one time)
Course Audit Fee$100/credit hour
Residential Programs Only:
Graduate Student Activity Fee (MDiv, MTS): 6+ credit hours$100/semester
Graduate Student Activity Fee (MDiv, MTS): 1-5 credit hours$50/semester
Financial Aid

To help offset the cost of tuition, you have the option of applying for a Federal Direct Unsubsidized Student Loan. The interest rate of the Unsubsidized Loan is 8.08% and accrues while you are in school. These loans require Entrance Loan Counseling and a Master Promissory Note (MPN) for all first time borrowers and Exit Loan Counseling for all borrowers who are graduating, not returning to Emmanuel, or have dropped below at least a half-time enrollment status. To apply for a student loan, you are required to complete the Free Application for Federal Student Aid (FAFSA). Please use the Milligan University school code, 003511. Read more important information about the FAFSA here »

Your loan funds will be received by the school via electronic funds transfer (EFT). Stafford loans are disbursed in two equal disbursements for the MDiv and MTS and four disbursements for the MACM, for the academic year. You will receive a Financial Aid Offer before the beginning of the academic year which will indicate the amount of institutional funds and unsubsidized loan funds for which you qualify; however, you can reduce or reject the student loan by indicating such when the Offer is returned.

For questions and more information about federal loans, contact Student Financial Services.


Emmanuel also offers a payment plan which will allow you to make payments for the remaining balance of your tuition during the semester while ensuring that the balance is paid before the next semester begins.


With this plan, all outstanding charges for the semester are paid on or before the first day of class. Payments may be made via cash, check, Visa, MasterCard, American Express, or Discover. For your convenience, you may pay online through Self Service, where you can view your account, print and view statements, make a payment online, and view a history of all payments on your account. By using your MU Self Service ID and password, you will have access to your online statement and current activity on your account. Payments and charges will be reflected immediately and you will have 24/7 access to your most recent bill.


Milligan offers an interest free payment plan that allows you to spread your tuition costs over nine or ten months if you cannot afford to pay tuition in a lump sum or to finance the difference between costs and financial aid. This plan can be used in conjunction with a Federal PLUS Loan and/or Alternative Loan to assist students and families in managing their educational debt. The payment plan enrollment fee for students enrolled in fall/ spring semesters is $75 for the academic year, $40 for spring semester only. You must enroll by the first day of classes. 


We are committed to making your graduate degree affordable and will work with you individually to explore all of the options available to finance your education. One of our goals is to keep your student loan debt at a minimum. For this reason, we offer many institutional scholarships to help offset the cost of tuition. Most students at Emmanuel are eligible for some level of a scholarship. To learn more about available scholarships, email or call the Admissions Office at 800.933.3771.

Cost of Attendance elements by program »

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