Payne Theological SeminaryTheology / Divinity
Total Cost of Attendance: $27,800/yr · Federal Loan Cap: $50,000/yr
Under the One Big Beautiful Bill Act (OBBBA), which takes effect July 1, 2026, professional students at Payne Theological Seminary studying Theology / Divinity face a maximum federal Direct Loan cap of $50,000 per year.
At $27,800/yr, this program falls within the federal loan cap — meaning students can fully fund tuition, fees, and living expenses through federal Direct Loans alone.
Cost of Attendance Summary
| Annual Cost of Attendance | $27,800 |
| Federal Loan Cap (Professional) | $50,000 |
| Annual Funding Gap | $0 |
| Total Funding Gap (2 years) | $0 |
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These numbers assume…
- × Full-time enrollment
- × No scholarships or grants
- × No prior federal student debt
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Recalculate for Payne Theological Seminary →Frequently Asked Questions
What is the federal loan limit for Payne Theological Seminary Theology / Divinity students?
Under the OBBBA (effective July 1, 2026), Payne Theological Seminary Theology / Divinity students can borrow up to $50,000 per year in federal Direct Loans. This is the professional annual cap. The aggregate lifetime limit is $200,000 for professional students.
Can I still get a Grad PLUS loan for Payne Theological Seminary?
No. Starting July 1, 2026, the Grad PLUS loan program is eliminated under the OBBBA. All graduate and professional students are subject to fixed annual borrowing caps ($50,000/year for professional programs). Students who need additional funding beyond the cap must use private loans, institutional aid, scholarships, or personal funds.
How much does Payne Theological Seminary Theology / Divinity cost per year?
The total cost of attendance for Payne Theological Seminary Theology / Divinity is $27,800 per year. Over the full 2-year program, the total cost is $55,600.