Denver Seminary

31 Navigators Discount A tuition discount for students who are full-time employees of Navigators who wish to pursue an advanced graduate certificate, diploma, or degree. Church Partnership Discount A tuition discount available to students who have church sponsorship of 40% or more of the student's tuition. If a student's church sends full payment for a term, the student will not receive a discount. The discount only applies if a church pays over 40% and less than 100%. If the student has other scholarship aid that covers their remaining balance in full after an outside church payment, the student will also not receive an additional church discount. Number of Credits Residential Programs ThM, PhD, or Fully Online DMin %Discount 9 or more credits 6 or more credits 3 or more credits 10% 6-8 credits ꟷꟷ ꟷꟷ 7% 5 credits 4-5 credits 1-2 credits 5% 4 or less credits 3 or less credits ꟷꟷ 3% Spouse Half-Tuition Discount A 50% tuition discount available to spouses of full-time students. Both the student and spouse must be attending Denver Seminary concurrently and be enrolled in master's-level courses, with the discount applied to the spouse taking fewer credits. It is not necessary for the spouse receiving the discount to be enrolled in a degree program. Youth for Christ Discount A tuition discount for students who are full-time employees of Youth for Christ who wish to pursue an advanced graduate certificate or degree. External Scholarships External scholarship resources, including scholarship search engines, can be found on the grants and scholarships page at http://www.denverseminary.edu/admissions/financial-aid/. Federal Loans All student loan borrowers are encouraged to educate themselves on proper loan management prior to applying for loans. Students should consider all aspects of debt management prior to borrowing including, but not limited to: (1) average anticipated salaries, (2) recommended debt-to-income ratios, (3) estimated monthly payments, (4) various repayment plan options. Though our office will advocate for the use of student loans in order to help meet any unmet financial need, we encourage all students to borrow cautiously. Borrowers are encouraged to regularly check their federal student loan balances at https://nslds.ed.gov/nslds/nslds_SA/ to ensure up-to-date awareness and accuracy of their loan details. Direct Unsubsidized Loans Direct Unsubsidized Loans are the primary federal loan type currently available for graduate-level students. The interest rate is a variable-fixed rate; the rate is tied to national financial markets and is recalculated each summer based on current rates. The current rate at the time a loan is taken out will be locked in for the life of that loan. For up-to-date interest rate information, visit https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized#interest-rates. The $20,500 annual limit for Direct Unsubsidized Loans remains unchanged. Additional details including interest rates, payment options, and other applicable details can be found here: https://studentaid.ed.gov/sa/types/loans https://studentaid.ed.gov/sa/types/loans.

• Cover