by our College Data Analytics TeamHere’s the full picture on paying for SUM Bible College and Theological Seminary, from the published cost of attendance and projected degree cost through to net price, median student debt at graduation, default outcomes, and how aid varies by family income.
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What it costs to attend SUM Bible C and Theological Seminary amounts to about $24,340.00 annually.
Cost is shown below as the full sticker price, the average net price after aid, and the low-income net price.
| Tuition and fees | $10,460.00 |
| + Room, board & other expenses | $13,880.00 |
| Total cost | $24,340.00 |
| That is 26% below the national average net price. |
| Total cost | $24,340.00 |
| − Grants and scholarships | −$3,276.00 |
| Net price | $21,064.00 |
| That is 36% below the national average net price. |
| Total cost | $24,340.00 |
| − Grants and scholarships | −$3,707.00 |
| Net price | $20,633.00 |
| That is 37% below the national average net price. | |
| Go deeper on the components with the tuition & fees page plus living costs. |
The tables below project a full degree at the current published cost. The detailed projections below compare a degree for a low-income aided student, an average-aid student, and a no-aid student. Loan totals assume a ten-year repayment at 6.8%.
| Projected 4-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $20,633.00 | $21,064.00 | $24,340.00 |
| Senior year | $20,633.00 | $21,064.00 | $24,340.00 |
| Total 4-year net price | $82,532.00 | $84,256.00 | $97,360.00 |
| 10-year loan interest @ 6.8% | $31,442.00 | $32,098.00 | $37,091.00 |
| Total monthly payment | $950.00 | $970.00 | $1,120.00 |
| Total amount paid | $113,974.00 | $116,354.00 | $134,451.00 |
| Projected 2-year net costs | Low Income w/ Aid | w/ Average Aid | No Aid |
|---|---|---|---|
| Annual growth rate | 0% | 0% | 0% |
| Freshman year | $20,633.00 | $21,064.00 | $24,340.00 |
| Senior year | $20,633.00 | $21,064.00 | $24,340.00 |
| Total 2-year net price | $41,266.00 | $42,128.00 | $48,680.00 |
| 10-year loan interest @ 6.8% | $15,721.00 | $16,049.00 | $18,545.00 |
| Total monthly payment | $475.00 | $485.00 | $560.00 |
| Total amount paid | $56,987.00 | $58,177.00 | $67,225.00 |
| Jump to the net-price detail in the net price section below. |
The net price is the real out-of-pocket cost — what families pay after grant and scholarship aid is applied. It is usually a better planning number than the sticker cost above.
| Average net price (on-campus) | $21,680.00 |
| Average net price (off-campus) | $21,042.00 |
What families actually pay shifts with income, since need-based grants are larger for lower-income students. Here is the average net price for each family-income range:
| Family income | Average net price |
|---|---|
| Under $30,000 | $19,744.00 |
| $30,000 to $48,000 | $19,320.00 |
| $48,001 to $75,000 | $21,081.00 |
| $75,001 to $110,000 | $24,025.00 |
For a personalized estimate, try the SUM Bible College and Theological Seminary Net Price Calculator, or check with the financial aid office.
Dig into how aid is awarded on the financial aid breakdown.
The median amount borrowed by graduates of SUM Bible C and Theological Seminary amounts to $13,815.00, which the Department of Education classifies as a Low ($10-20k) debt-burden bucket.
The full distribution of debt at graduation looks like this:
| Percentile | Debt at graduation |
|---|---|
| 10th | $3,167.00 |
| 25th | $5,756.00 |
| Median (50th) | $13,815.00 |
| 75th | $24,500.00 |
| 90th | $38,518.00 |
How far apart the 10th and 90th percentiles sit tells you how uneven debt outcomes are.
Explore borrowing, repayment, and default in detail on the student loan debt detail.
Family income tracks closely with debt at graduation. The breakdown below segments borrowers by family income at entry:
| Family income | Median debt at graduation |
|---|---|
| Low income | $11,441.00 |
| Middle income | $16,551.00 |
| High income | $14,883.00 |
First-generation college students often carry different debt loads than their continuing-generation peers.
| Student group | Median debt at graduation |
|---|---|
| First-generation students | $12,674.00 |
| Continuing-generation students | $16,551.00 |
The Pell Grant is the largest federal grant for undergraduates from low-income families. Comparing Pell recipients vs non-recipients shows how debt is distributed by need.
The median debt gap between Pell and non-Pell graduates of SUM Bible C and Theological Seminary is $2,940.00. Federal data flags this school for Pell-related debt inequity.
The default-rate category at SUM Bible C and Theological Seminary is Low (<5%).
| Window | Cohort default rate |
|---|---|
| 2-year | 6.8% |
To put the rates in context, Stafford loans at SUM Bible C and Theological Seminary amount to $33,674,192.00 spread across 1,798 loan recipients.
Veterans and current servicemembers may be eligible for major federal education benefits including the GI Bill and Tuition Assistance from the Department of Defense.
| GI Bill recipients | 11 |
| Avg GI Bill amount | $8,809.00 |
Dig into veteran education benefits on the veteran aid breakdown.
Beyond the data above, it helps to ask a few questions when weighing SUM Bible C and Theological Seminary, the questions below are worth your time:
For a closer look at any of these topics, follow the links below:
Data sources. Figures on this page draw from the U.S. Department of Education College Scorecard, the Integrated Postsecondary Education Data System (IPEDS), and MediaFactual editorial review. Net-price calculator and financial-aid office links are taken from the institution’s own published data.