Affording Your Education
Tuition and Fees
Tuition and Fees (2020-2021)
Masters Level Classes
|Each Credit Hour||$815|
|Audit fee||$75 per credit hour|
Doctor of Philosophy Classes
|Each Credit Hour||$1,425|
Doctor of Ministry Classes
|Spiritual Direction||$640 per credit hour|
|Congregational Leadership||$750 per credit hour|
|Strategic Leadership for Black Congregations||$750 per credit hour|
|Community Organizing (Cohort 2016)||$320 per credit hour|
|Community Organizing (Cohort 2018)||$640 per credit hour|
|Program Installment: Preaching as Leadership in Hispanic-Latinx Congregations (Cohort 2018-2019)||$4,850 (1 of 6 installments for program; students make 2 installment payments/year.)|
|Program Installment: Strategic Leadership for Black Congregations (Cohort 2018-2019)||$4,850 (1 of 6 installments for program; students make 2 installment payments/year.)|
|Program Installment: Spiritual Direction (Cohort 2018-2019)||$4,140 (1 of 6 installments for program; students make 2 installment payments/year.)|
|Program Installment: Community Organizing (Cohort 2019-2020)||$4,260 (1 of 6 installments for program; students make 2 installment payments/year.)|
|Program Installment: Spiritual Direction (Cohort 2020-2021)||$4,400 (1 of 6 installments for program; students make 2 installment payments/year.)|
Application & Matriculation Fees
|Initial NU netID Connection Fee||$55|
|Matriculation Fee (Not for Auditors)||$80|
On Campus Housing
Based on 9 months in residence; students may also apply for housing for the summer
|Garrett Residence Hall||$4,200 - $6,100
|Garrett-Owned Apartments||$8,100 - $10,800
All students enrolled in six credit hours or more and all Ph.D. students through the second year of coursework are required to have hospitalization insurance, either a current policy that will continue to provide coverage during tenure as a student or a policy purchased through Northwestern University. Verification of such health insurance must be made each academic year.
One Student. One Scholarship.
At Garrett-Evangelical, every master degree student receives a scholarship. Scholarships are available for full-time and part-time students and are designed with an eye toward each student’s passion and our mission.
Full-time masters students are guranteed a scholarship of 50% of tuition up to 100% of tuition with stipends. Part-time master's students are guranteed a scholarship of at least 25% tuition.
Asian/Asian American Scholarships
For applicants who are Asian or Asian American and who are interested in multi-ethnic ministries and organizations with a focus on social justice. Students who receive these scholarships have opportunities to work with and help shape the activities of the Asian/Asian American Center. Learn more about the Asian/Asian American Center here. Priority is given to international Asian and first- and second-generation Asian Americans, persons engaged with NEXUS UMC, and others called to serve in Asian/Asian American ministry contexts.
Church and Black Experience (CBE) Scholarship
These scholarships are for applicants of African and African American descent who are called to lead congregations and associations prophetically and in the service of justice, and equity. Students who receive these scholarships have opportunities to work with and help shape the activities of the Center for the Church and Black Experience. Learn more about the Center for the Church and Black Experience here. Priority is given to students and graduates of HBCUs and those committed to racial justice.
Christian Education Scholarships
These scholarships are for applicants called to be Christian Educators and/or who have specific calls to children’s ministry, youth ministry, camping ministry, campus ministry and/or young adult ministry. Recipients of these scholarships often consider the MACE program. Click here to learn more.
Community Engagement Scholarships
For applicants who have a call to Public Theology and are, therefore, engaged in community building, advocacy, and activism for the common good. Garrett-Evangelical has a history of preparing faith leaders who are engaged in the wellbeing of all persons and of creation. To learn more about our current public theology initiatives, click here. Priority is given to students who have experience working with and/or a passion for racial justice, child advocacy, environmental/ecological justice, conflict transformation/peace studies, and/or LGBTQ+ inclusion.
Congregational Leadership and Church Planting Scholarships
For applicants of all denominations who are called to either congregational leadership or church planting. Recipients of these scholarships often consider the MDiv program, with a concentration in Congregational Leadership or Evangelism. Click here to learn more.
These scholarships are for applicants who are seeking ordination as Deacons in The United Methodist Church. Recipients have opportunities for fellowship, mentorship, and networking. They also have the opportunity to attend and help work with the bi-annual Deacon Dialogue. To learn more about Deacons Studies go here.
These scholarships recognize the unique gifts of our Hispanic and Latinx applicants who will be ministering in bilingual settings and/or who have significant contributions to make to the global religious landscape. Students who receive these scholarships have opportunities to work with and help shape the activities of the Hispanic-Latinx Center. To learn more about the Hispanic-Latinx Center go here. Priority is given to bi-lingual and/or first and second generation Hispanic and Latinx students.
LGBTQ+ Reconciliation Scholarships
For applicants who have a passion for LGBTQ+ reconciliation ministries that involve working with individuals, groups, and/or societies to affirm that all persons are of sacred worth, created in the image of God, and should be fully included in church and society. Garrett-Evangelical’s President and Board of Trustees released a community statement affirming the seminary’s commitment to full LGBTQ+ inclusivity building upon years of a strong student-led Sacred Worth group and the seminary’s LGBTQ Studies concentration. Priority is given to students who identify as LGBTQ+ and/or who have demonstrated experience advocating for LGBTQ+ inclusion in the church and in society.
Mission and Service Scholarships
For applicants who have served in a year-long volunteer mission or service program and are interested in service and non-profit ministries. To learn more about how Garrett-Evangelical is serving the church and the world through its redefined master of divinity degree program, click here. Additionally, go here to learn more about our Public Theology initiatives. Priority is given to students who have completed programs such as: US-2, Global Mission Interns, Teach for America, AmeriCorps, City Year, DOOR, Peace Corps, Presbyterian Youth Adult Volunteer (YAV), Jesuit Volunteers Corps, Luther Volunteer Corps, Brethren Volunteer Corps, Christian Appalachian Project, or a year-long campus ministry internship.
For applicants who are primarily interested in future doctoral work and/or who have a personal interest in research and writing. Recipients of these scholarships often consider the MTS program. Click here to learn more.
In recognition of Garrett-Evangelical’s long-standing commitment to Pan-Methodist denominations, these scholarships are for applicants who are AME, AMEZ, and CME and who are called to serve within these denominations. Recipients of these scholarships become part of Pan-Methodist Fellows program overseen by Dr. Reginald Blount.
Pastoral Care Scholarships
For applicants who are interested in the work of pastoral care and chaplaincy (campus, hospital, hospice, and/or military) and/or who have work or volunteer experience in these areas. Recipients of these scholarships often consider the MAPCC program. Click here to learn more.
Spiritual Formation and Direction Scholarships
For applicants who are interested in spiritual formation and/or direction. Recipients of these scholarships often consider the MASFD program. Click here to learn more.
For applicants who are United Methodist and who are in the candidacy process to be Elders in The United Methodist Church. Recipients of these scholarships complete the MDiv program. Click here to learn more.
Worship Arts Scholarships
For applicants with gifts in leading worship, vocal or instrumental music, liturgical dance and/or the visual arts. Recipients of these scholarships often consider the MAMM program. Find out more here.
Doctor of Philosophy
All students accepted into the Doctor of Philosophy program at Garrett-Evangelical Theological Seminary will receive a 100% tuition scholarship.
Doctor of Ministry
All students accepted into the Doctor of Ministry program at Garrett-Evangelical Theological Seminary will receive a 50% tuition and fees scholarship
Federal Aid and Other Resources
Garrett-Evangelical participates in the following federal programs: Federal Direct Stafford Loans,
Federal Perkins Loans and Federal Work Study. Please use this Financial Aid Checklist to help you through the various steps in order to receive your federal financial aid monies.
Free Application for Federal Student Aid (FAFSA)
In order to be eligible for federal resources, a student must be a resident of the United States, registered at least half-time, and complete the FAFSA each year.
Garrett-Evangelical's FAFSA school code: G01682
Websites with further information for students interested in borrowing federal funds:
- Federal Direct Stafford, Perkins Loan Programs; Federal Work-Study Programs
- Loan Locator at National Student Clearinghouse
- U.S. Department of Education, Student Financial Assistance
Grants available from resources outside the seminary include the local church, denominations, and a variety of organizations and agencies. Some sources to check:
- The Forum for Theological Exploration
- Illinois Student Assistance Commission
- Denominational scholarships and loans (see your denomination's web site)
United Methodist Resources
United Methodist members may be eligible for various grants, loans and/or conference funds. For example:
- Dollars for Scholars
- Available to all United Methodist degree students
- United Methodist Student Scholarships, Fellowships, and Loans
- Description and eligibility requirements are on the General Board of Higher Education in Ministry website
United Methodist Conference Resources
United Methodist members may be eligible for various grants, loans and/or conference funds. For example:
- Annual Conference Funds
- Certified candidates should contact their individual conferences for information on funding available
- Ministerial Education Fund
- Certified candidates should contact their individual conferences for information on funding available
Garrett-Evangelical Theological Seminary has been a leader in preparing students for ministry as a deacon since The United Methodist Church created the Order of Deacons in 1996. In honor of the 20th Anniversary of the Order of Deacons, Garrett-Evangelical launched the Deacon Fellows program in Fall 2017. You can learn more about Deacon Fellows, as well as the Deacon Studies program at Garrett-Evangelical, at Garrett.edu/DeaconFellows.
Since 1988, Garrett-Evangelical has been committed to bringing Hispanic culture and experience into the life of the seminary and provide continuing education to the church through the Hispanic-Latinx Center. In line with this commitment, Garrett-Evangelical is launching a new Hispanic-Latinx Fellows Program in order to better support Hispanic-Latinx students who are called to ministry. This fellows program recognizes the unique gifts of our Hispanic and Latinx applicants who will be ministering in bilingual settings and/or who have significant contributions to make to the global religious landscape. To learn more about the Hispanic-Latinx Fellows program, visit Garrett.edu/HispanicLatinxFellows.
Pan Methodist Fellows
Since 1970 and the foundation of the Church and the Black Experience, Garrett-Evangelical has had a strong emphasis on African American experience and ministry. In line with this commitment and our Methodist heritage, Garrett-Evangelical launched Pan-Methodist Fellows Program in order to better support AME, AMEZ, and CME students who are called to ministry. To learn more about the Pan-Methodist Fellows program visit Garrett.edu/PanMethodistFellows.
Garrett-Evangelical Theological Seminary is committed to addressing the financial needs of students seeking a theological education. Annually, Garrett-Evangelical awards over 2.5 million dollars in financial aid and through our One Student. One Scholarship. program every master degree student receives a scholarship. In addition, the seminary offers a Fellows program, numerous federal work-study positions, and paid internship opportunities through our field education program to offset the cost of tuition and living expenses.
We also encourage you to ask your church about any scholarships they offer and look into your denomination’s foundation and scholarship programs. You may be surprised by how many people are willing to help support your theological education!
The Office of Financial Aid is here to help you understand your options and answer any questions you have on affording your education. Our Financial Aid Director, Jason Gill, is available for phone or in-person consultations. You can reach him at 847.866.3987 or via email.
Financial Aid: FAQ
Types of Aid
Q1: How do I apply for scholarships at Garrett-Evangelical Theological Seminary?
Every degree-seeking student receives an institutional scholarship upon admission that covers the total number of credit hours required for the student’s degree program.
Q2: Can I petition to have my institutional scholarship increased?
Unfortunately, no. Institutional scholarships are set at the time of matriculation. This is a promise to students that scholarships will not be reduced, but they also won’t be raised. All credits hours needed for graduation will be covered by the institutional scholarship.
Q3: What is the main difference between a subsidized and unsubsidized direct loan?
Subsidized loans do not accrue interest while a student is enrolled at least half-time in a degree-seeking program. Upon dropping below half-time enrollment, interest will begin to accrue. Conversely, interest begins accruing immediately on an unsubsidized loan regardless of a student's enrollment status.
Due to changes a number of years ago, only unsubsidized loans are available to students in graduate/professional degree programs.
Q4. Do I have to reapply for financial aid every year?
It depends. If you are not borrowing federal loan aid or wanting to participate in Federal Work-Study, then no action is required to continue receiving your institutional scholarship. If you are wanting to borrow federal loan aid or participate in Federal Work-Study then you must complete a new FAFSA every year.
Q5. I received an outside scholarship. Should I report it to the financial aid office?
Yes. If you are receiving any kind of financial aid from university or government sources, you must report the scholarship to the financial aid office. This may affect the amount of loan aid you are eligible to borrow, but will never affect your institutional scholarship aid.
Applying for Aid
Q1: How do I apply for federal financial aid?
To apply for an Unsubsidized Stafford Loan, GradPLUS Loan, or Federal Work-Study, you will need to complete a number of steps:
First, complete a Free Application for Federal Student Aid (FAFSA). The school code for Garrett-Evangelical is G01682.
Second, the Financial Aid Office will email your financial aid award letter to you about one week after your FAFSA submission. Your award letter will indicate your eligibility. Read this email and letter carefully. You will need to complete the audit form attached to your award letter that will allow you to indicate what awards you want to accept and by what amounts.
Third, you will need to complete a master promissory note (MPN) and entrance counseling, both found on StudentLoans.gov. Unlike the other steps, this only needs to be completed once; the first time you borrow in your degree program.
Q2: Do I need to fill out the FAFSA every year to apply for financial aid?
Yes, if you want to borrow federal loan aid aid or participate in Federal Work-Study then you must complete a new FAFSA every year.
Q3: When should I submit my FAFSA?
FAFSA applications can be completed as early as October 1st for the next academic year. For graduate students, there is no need to apply early. We do recommend you complete your FAFSA in the early summer to ensure timely award processing.
Q6: How do I apply for a GradPLUS loan?
If you’ve reached your annual or lifetime Stafford loan limit and still have unmet financial need according to your award letter, then you may request a Graduate PLUS loan (GradPLUS). These loans do require either credit approval or a co-signer.
Each year a student requests a GradPLUS loan, the student must also complete a Graduate PLUS master promissory note, and GradPLUS entrance counseling found at StudentLoans.gov.
Q7: How long does it take to process my FAFSA submission?
It can take as long as 48 hours for a FAFSA submission to be received by the school. Depending on the time of the year, a student can receive an award letter about a week after submitting a FAFSA.
Q8: How long does it take to process a loan request?
Provided the school already has your FAFSA, a loan request can be completed in around two business days.
Eligibility for Aid
Q1: What are the general qualifications of federal aid?
In general, there are a number of qualifications:
- be a United States citizen or permanent resident
- be admitted and enrolled at least part-time in a program leading to a degree
- not be in default on a federal educational loan or be going through bankruptcy
It is important to remember that final federal eligibility is determined through the Financial Aid Office after the submission of a FAFSA, and is shared by means of a financial aid award letter.
Q2: I/My spouse/My parents made a lot of money last year. Could I still be eligible for federal aid?
Yes. For financial aid purposes, you should know that graduate students are considered independent regardless of age or tax filing status. Also remember that Unsubsidized Stafford Loans do not consider personal finances when determining eligibility.
A graduate student can also be considered for Federal Work-Study (FWS), which is based on financial need. That means that the student’s Estimated Family Contribution (EFC), which considers the income of the student’s spouse also, is used to determine eligibility.
Q3: What GPA do I need to remain eligible for aid?
Scholarship stipulations require students to maintain a cumulative 3.0 GPA. Federal aid requires students to maintain Satisfactory Academic Progress, which means that master degree and doctor of ministry degree students must maintain a 2.5 cumulative GPA, and doctor of philosophy degree students must maintain a 3.0 cumulative GPA.
Q4: What happens if my GPA is below the required minimum?
If you do not maintain the minimum GPA required for your scholarship, then your institutional scholarship will be reduced to a 25% scholarship. When you once again begin meeting your GPA requirement, you scholarship will be awarded at the original rate.
If you do not maintain the GPA required by the Satisfactory Academic Progress standards you risk losing access to federal loans and work-study. See the Financial Handbook for details.
Q5: What is the minimum number of hours required to receive financial aid?
Master degree students must be at least part-time status for federal awards, which requires five credit hours per semester. For doctoral students, part-time status requires at least three credit hours per semester.
Master degree students have scholarship registration stipulations that require either full-time or part-time registration to maintain full scholarship eligibility.
Q1: How can I get an outside scholarship processed?
In most cases, scholarship donors will send checks directly to Office of Financial Aid (OFA) for processing, but not always. If a donor sends you a scholarship check, federal law requires that you report it to OFA immediately.
If an outside donor does want to send a scholarship check to the school on your behalf, they can make the check out to Garrett-Evangelical Theological Seminary, but it must include your name and student identification number. The check can be sent to the school and addressed in care of the OFA. Outside scholarship checks are processed and posted to student accounts within 48 hours of being received.
Q2: Why is the Financial Aid Office requesting a tax transcript and other verification forms?
Schools that disburse federal financial aid are required to verify a certain percentage of submitted FAFSAs. This should not in any way be construed as suspicion or doubt on our part or that of the Department of Education. The FAFSA can be a difficult form to fill out, and mistakes are very common. This is just a way of making sure everything is as accurate as possible.
Q1: When are funds disbursed?
Institutional scholarships and federal loans are disbursed on the second Wednesday of the semester.
Q2: When will I have access to excess financial aid?
You may make a check request after loans and scholarships are disbursed, and the earliest available date to pick-up a check is the third Tuesday of the semester.
Q3: How can I use my financial aid to buy my books?
Financial aid funds are applied to any outstanding directs education expenses such as tuition, housing, fees, etc. Financial aid funds in excess of your institutional costs are available to you by mail. The remaining funds can then be used toward the purchase of textbooks and other educational expenses associated with attendance.
Q4: Can I keep excess financial aid on my student account?
Yes, however, if part of the excess financial aid is from federal loans, you will need to complete an authorization form that is sent to students at the beginning of each semester.
Financial Aid and Student Loan FAQs for COVID-19
Does the change to online course work change my financial aid?
As long as students maintain their current spring semester registration, the move to online course work will not impact financial aid.
If you move out of Garrett-owned housing you may be granted a prorated credit, but this won’t change your cost of attendance or your loan aid eligibility. Similarly, students who do not change their housing status either by continuing to live off-campus or continuing to live on-campus, will receive the same aid as before.
How will the new Pass/No Record grading system affect my scholarship requirement to maintain a cumulative 3.0 GPA?
The new P/NR system does not affect your GPA. Additionally, in an effort to make sure students don’t feel pressured to switch to a letter grade this semester to regain a 3.0 GPA status, the GPA requirement will be waived for both the upcoming summer term and fall semester. Scholarship registration requirements will still stay in effect.
Do I need to keep making payments on my federally held student loans?
No. Keep in mind that if you are enrolled at least part-time, you are probably already in an in-school deferment status, which does not require payments. Therefore, no action is required.
If you have graduated, discontinued attendance, or are less than part-time and your loans are in repayment, you may be eligible for an administrative forbearance which would allow you to temporarily stop making your monthly loan payment. The time under the administrative forbearance may count toward Public Service Loan Forgiveness (PSLF). Please keep in mind that this is not an automatic process. You must request the forbearance. For more information on this option and how to apply, please contact your loan servicer.
Great, so how about private student loans, do I still need to keep paying them?
It depends. The Department of Education cannot compel private loan servicers to suspend payments. However, some private loan servicers are trying to make special accommodations for those in repayment. Contact your private loan servicer directly to learn about your options.
What about GBEHM private student loans?
If you are in repayment of a GBHEM loan you may be eligible for a 3-month forbearance (with interest accrual). To learn more email firstname.lastname@example.org.
I heard all student loan interest has been suspended. How does that work?
All federally held loans (Direct Stafford and PLUS Loans, and some Perkins Loans) have suspended interest for at least the next 60 days, beginning March 13, 2020. During this time, your federal loans will automatically be adjusted so that interest does not accrue. This adjustment will not change your monthly payments, rather any payments made during the 0% interest rate period will be applied in full to your outstanding principal balance or already accrued interest.
FEEL loans, school-serviced Perkins loans, and private student loans are not part of this interest suspension.
If I have more questions, what should I do?
If you have questions about your institutional scholarship, outside scholarships, or loan aid for the semester please consult the Financial Aid Handbook or contact our director of financial aid, Jason Gill, at 847-866-3987 or email@example.com.
If you are in repayment and have questions about your loan status, contact your loan servicer directly.
If you have questions about federal student aid, go to studentaid.gov.