This worksheet provides an estimated cost about how much tuition and fees will cost, which includes living expenses. The budget is an estimation and some students find they live much below the proposed budget. Create a personalized budget using these U.S. Department of Education tools.
Estimated costs 2025-2026
(9 month – September to May)
| M.Div/MA | Grad Certificate | |
| Tuition | $18,750.00 | $8,750.00 |
| Living Expenses | $15,242.00 | $15,242.00 |
| Books/Fees | $2,000.00 | $2,000.00 |
| Transportation | $3,104.00 | $3,104.00 |
| Misc. personal | $9,980.00 | $9,980.00 |
| Student loan fees | $134.00 | 0.00 |
| Total | $49,110.00* | $39,076.00* |
(12 Month – September to August)
| Ph.D. | Th.M. | |
| Tuition | $22,500.00 | $10,500.00 |
| Living Expenses | $20,323.00 | $20,323.00 |
| Books/Fees | $2,667.00 | $2,667.00 |
| Transportation | $4,139.00 | $4,139.00 |
| Misc. personal | $13,173.00 | $13,173.00 |
| Student loan fees | $179.00 | $179.00 |
| Total | $62,981.00* | $50,981.00* |
*Budgets DO NOT include an allowance for health insurance, purchase of computer or dependent care costs. With documentation these costs can be added to expense budget. This will only have the impact of increasing student loan eligibility. To have these included please use the following form: Adjustments to Cost of Attendance Request
For complete information about costs, fees and refunds, please see our academic catalog.
Other fees/costs
| Non-degree tuition (per course) | $3,500.00 |
| Continuation Fee (per semester) | $1000.00 |
| Audit fee (per course) | $540.00 |
| Student Life Fee (per semester) | $10.00 |
| SEVIS Management Fee | $350.00 |
| Th.M./Ph.D. candidacy fee (one time) | $300.00 |
| Graduation Fee | $200.00 |
| ELCA Affiliation Fee** (One time) | $1,600/$2,000 |
** $1600 for students who affiliate within 6 months of being entranced in the ELCA. $2000 for those that do not affiliate and do so in the later stages of candidacy.
Rent Prices for Residential Students
- Bockman Hall Dorm single room: $383 per month
- Bockman Hall Dorm double room 1 occupant: $464 per month
- Bockman Hall Dorm double room 2 occupants: $263 per month
- Houses: $591 per bedroom per month + Utilities
For additional information – Housing Website
Health Insurance
Insurance coverage is required for all Luther Seminary students. Because the Affordable Care Act has increased the health insurance options for students, Luther Seminary no longer offers its own student policy. Instead, students have multiple options for obtaining coverage:
- As a covered dependent under a group health policy of a spouse or of parents (if under age 26);
- An individual policy purchased directly from a private health insurer;
- An individual policy purchased through the Marketplace at www.healthcare.gov; or
- Medicaid or other government programs if you qualify, based on your state of residence.
International students should heed the guidance from the International Student and Scholar Affairs office on medical insurance coverage requirements. An international student is defined as an individual living and studying in the U.S. on an F-1, J-1, or another non-immigrant status (including R-1) visa.
For complete information about costs, fees and refunds, please see our academic catalog.