Tuition & Financial Aid

Our Tuition Rates

Since 1969, CCS has pledged to provide the best biblical education at the most affordable tuition rates. We have continued this original pledge for over 55 years.

  • Traditional

    Undergraduate

    Pay for your certificate, associate degree, or bachelor's degree per credit hour. Payment plans start as low as $150 per month.

    $175/CR

    • New Student Application: $25.00
    • Services Fee: $75.00/Semester
  • Traditional

    Graduate

    Pay for your master's degree or doctoral degree per credit hour. Payment plans start as low as $160 per month.

    $195/CR

    • New Student Application: $25.00
    • Services Fee: $75.00/Semester

How to Pay for College

If you have ever set aside the idea of Bible college because you assumed you could not afford it, this information is for you.

Cornerstone College & Seminary exists to equip everyday believers for ministry. Our courses run online in eight-week terms, which means you can study around a full-time job, a family, and a church schedule. Because we bill by the credit hour instead of by the semester, you never pay for more than the courses you are actually taking.

There are no loans to apply for and no lump sums to save up. Every Cornerstone program can be paid through a simple monthly installment plan, starting as low as $150 a month. You choose the pace, and your payment follows your pace.

Monthly Payment Plans

Rather than paying course by course, most Cornerstone students spread the cost of their program across steady monthly payments. This is similar to the way you would budget for a phone bill or a car payment.

Payments Start as Low as $150 per Month

The $150 plan is our most popular entry point for both undergraduate and graduate students. On that plan, you take up to three courses per year. In practice, that usually looks like one eight-week online course every other eight-week term, giving you a built-in breather between classes throughout the year.

Your advisor builds the plan with you

Your Academic Advisor at CCS will work with you one-on-one to build a class schedule that fits your budget, your season of life, and the date you would like to graduate. If your circumstances change mid-program, your advisor will help you adjust.

Payment Plan Options at a Glance

Every program below can be paid in monthly installments. Totals shown include tuition and the $75 per-semester student fee.

Program

Time to Complete

CoursesTotal Tuition & Fees

Monthly Payment

Certificate Programs | 18 CR

Any Undergraduate Certificate1 year6$2,990$249 / month
Any Undergraduate Certificate2 years6$2,990$150 / month*

Associate of Biblical Studies | 60 CR

Associate of Biblical Studies2 years20$10,800$450 / month
Associate of Biblical Studies4 years20$11,100$231 / month

Bachelor of Biblical Studies | 121 CR

Bachelor of Biblical Studies4 years40$21,600$450 / month
Bachelor of Biblical Studies8 years40$21,000$225 / month

Master of Ministry Leadership |

Master of Ministry Leadership18 months12$7,300$405 / month
Master of Ministry Leadership24 months12$7,500$312 / month
Master of Ministry Leadership36 months12$7,500$208 / month
Master of Ministry Leadership48 months12$7,700$160 / month

Master of Divinity | 72 CR

Master of Divinity24 months24$15,000$625 / month
Master of Divinity48 months24$15,400$320 / month
Master of Divinity60 months24$15,800$263 / month

Doctor of Ministry | 40 CR

Doctor of Ministry18 months10$8,200$455 / month
Doctor of Ministry24 months10$8,400$350 / month
Doctor of Ministry36 months10$8,400$233 / month
Doctor of Ministry48 months10$8,400$175 / month

*The two-year certificate plan carries a $150 monthly payment until the $2,990 balance is paid in full. Longer completion tracks include more semesters, which is why the total rises slightly while the monthly payment drops considerably.

Tuition and fees are subject to change. Your advisor will confirm the exact figures for your start term before you enroll.

Transfer Credit Information

Cornerstone is transfer-credit friendly. Every course you transfer in is a course you do not pay for. This lowers both your total tuition and your monthly payment. Learn more about completing your degree here.

  • Transfer up to 75% of an undergraduate degree program.
  • Finish your Bachelor of Biblical Studies in as few as 10 courses. Adult learners can transfer up to 30 equivalent courses toward the 40-course bachelor program.
  • Finish your Associate of Biblical Studies in as few as 5 courses. Adult learners can transfer up to 15 equivalent courses toward the 20-course associate program.
  • You may apply for life experience credit to further reduce your cost. Ministry, vocational, and lay leadership experience may count toward your degree.

It does not matter when your previous credits were earned. Credits earned decades ago can still count toward your degree.

Let's Build Your Payment Plan

Talk with a Cornerstone Academic Advisor and walk away knowing exactly what your program will cost, how long it will take, and what your monthly payment will be before you enroll.

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Why Choose Cornerstone College & Seminary?

Cornerstone College & Seminary offers similar degree programs for significantly lower tuition fees than other universities and not-for-profit schools.

Benefits

CCS

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Accredited Degrees
Accredited Degrees
Christ-Centered Education
Christ-Centered Education
Affordable, Subscription-Based Tuition
Affordable, Subscription-Based Tuition Option
Flexible Class Schedules
Flexible Class Schedules
Accessible Faculty
Accessible Faculty
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How Can We Help You?

Contact us at the college office or submit your inquiry online using this form.

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Scholarship Options at CCS

Equipping Students for Ministry Since 1969

FAQs

Have a Question?

If you are having trouble finding the information you need, we would love to connect with you!

    One of CCS’s core commitments is to provide high-quality education at an affordable cost. Undergraduate tuition is $175 per credit hour for new students. For a typical 3-credit course, that’s $525 in tuition. Graduate tuition (for master’s and doctoral courses) is $195 per credit hour. In addition to tuition, there are a few standard fees: a one-time Application Fee of $25, and a Student Services Fee of $75 per semester.

    Financial aid at CCS comes primarily in the form of institutional scholarships, discounts, and payment plans, since CCS chooses to keep tuition low instead of relying on federal aid. Notably, CCS does not participate in Federal Financial Aid (FAFSA) – meaning Pell Grants, federal student loans, etc., are not used. Instead, CCS’s strategy is “graduate without debt” by offering an affordable pay-as-you-go model and plenty of scholarships and discounts. Here are some key aid opportunities:

    • Merit Scholarship: CCS offers a full-tuition merit scholarship for a two-year associate degree (the Merit Scholarship), which can cover 100% of tuition for eligible students. This is often awarded to students with strong academic performance or exceptional leadership potential.
    • Need-Based Scholarships: There are named scholarships like the Gary Foss Memorial Scholarship and the Carson Riley Scholarship, which students can apply for if they need financial assistance. These may have specific criteria (such as ministry involvement or academic merit) and can significantly offset tuition.
    • Ministry in Place Discount: If you are already a ministry leader or pastor, CCS’s Ministry in Place program allows you to apply for discounted tuition rates so you can continue serving while studying. This reflects CCS’s mission to equip those in active ministry by easing their financial burden.
    • Veterans Benefits: CCS is very supportive of military veterans and their families. The college is approved for VA benefits, meaning eligible students can use GI Bill® education benefits at CCS. (CCS is a religious institution in Virginia and is exempt from state oversight, but it does work with veterans to honor tuition assistance and refund guidelines.) VA benefits only apply to on-campus courses. 
    • Payment Plans: Every student, whether receiving scholarships or not, can take advantage of interest-free monthly payment plans. Instead of paying a semester’s tuition all at once, you can pay in smaller installments over the term. This “Pay-As-You-Go” approach is central to CCS’s philosophy – the goal is that you graduate without debt by budgeting your education costs monthly.

    Yes. In fact, CCS’s entire financial model is built around a Pay-As-You-Go philosophy to keep students out of debt. Instead of taking out large loans, students pay for each semester (or each course) as they progress, often using monthly payment plans. These in-house payment plans split your tuition into manageable monthly payments throughout the term – interest-free. Many CCS students hold jobs or ministry positions while in school, and the monthly plan lets them budget tuition alongside their other expenses. Because tuition is relatively low, some students even pay upfront or semester-by-semester, but the payment plan is there if you need it. Additionally, if you receive a scholarship, that award is applied directly to reduce the amount you owe. The goal is that by the time you graduate, you have zero student debt, having paid along the way.

    CCS understands that sometimes circumstances change, and students may need to drop a class or withdraw. There is a tuition refund policy that provides refunds on a sliding scale, based on how early in the term the withdrawal occurs. If you withdraw very early in the term (before the second day of the term), you are eligible for a 100% tuition refund (all tuition for that course is refunded). After the first few days, the refund amount decreases: for example, a student might get 75% back if withdrawing in the first week, 50% in the second week, and 25% in the third week. After about the third week of a term, no refund is available for withdrawal. Keep in mind that the refund policy typically applies to tuition only, not fees, since fees cover administrative costs and resources. Also, to receive a refund, you must follow the official withdrawal process – simply not attending class isn’t enough; you need to notify the Registrar’s Office of your intent to drop the course. One exception: if you are a military student and are called to service, CCS has a special pro-rated refund schedule to accommodate that (in compliance with veteran benefit regulations) . Always check the Academic Catalog or with the Registrar for the most up-to-date refund schedule, but generally the policy above holds. The bottom line is that early communication is key – withdraw within the first two weeks of a course for a substantial refund, if needed, and beyond that, refunds become limited.

    Cornerstone OnDemand is an innovative, self-paced learning option offered by CCS. It allows students to take courses online through a subscription model rather than paying per credit. The cost is $333 per month for OnDemand enrollment. While on the subscription, you can enroll in designated online courses and complete as much coursework as you comfortably can in that time. This model is great for motivated students who want to potentially accelerate their studies – for example, if you can finish two courses in one month (which is intensive but possible if you have lots of free time), you’re effectively getting an incredible bargain. OnDemand courses are asynchronous and fully online, similar to regular online courses, but you have the flexibility to set your own pace. OnDemand can save you time and money. You can talk to an advisor about whether the OnDemand option fits your degree plan (and which courses are available in that format) before signing up.

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