Financial Aid Office

To be eligible for financial aid, students must be admitted into one of the degree programs below. In addition, students must be an eligible U.S. Citizen, meet Satisfactory Academic Progress (SAP), and submit the ULS Financial Aid Application each academic year in which they wish to be considered for financial aid.
The application is available on the student portal, Henry.
Click here view a tutorial video.

Funding is available for full-time and part-time students on a first-come, first-served basis. Limited funding may be available for eligible affiliated students and international students - please see below for additional information.
Click here to view the 2022-2023 Financial Aid Policy in its entirety.

Click on a heading below to learn more.

Cost of Attendance

Cost of Attendance is not what a student is billed, but rather the dollar amount that a student’s financial aid is based on, and students may not receive financial aid that exceeds the total dollar amount of their COA. The amounts shown below are based on full-year (Fall & Spring ), and full-time, as specified below. Students that enroll in less-than-full time credits will have the following amounts prorated based on the actual courses in which they are enrolled: Tuition & Fees, Loan Fees, Books & Supplies.

Students that receive financial aid exceeding their actual COA may result in a reduction of previously offered/disbursed financial aid. For example: Student A is offered a ULS Full-Tuition Scholarship, but only enrolls in a single course—The previously offered scholarship would be reduced to cover one course.


ULS Full Tuition Scholarships
ULS is blessed to be able to provide students with Scholarships to assist in covering the “gap” that may exist after external aid has been credited to their ULS student account. For scholarship purposes, June intensive courses are considered as part of the Spring semester, and August intensive courses are considered as part of the Fall semester. ULS Tuition Scholarships (including ULS Advancement Office funds) are applied to ULS tuition charges only. Dissertation Fees, Colloquium Fees, and other fees are not covered by ULS Scholarship funds.

Scholarship Retention
Students must complete the courses in which they are registered in order to retain the ULS Scholarships for those courses. Dropping or withdrawing from a course will result in 100%reversal of tuition charges and ULS Scholarship funds for the course. Students that drop or withdraw from courses after the add/drop date will be assessed a fee based on the fee schedule below. The fee is charged to students’ accounts, and it is the responsibility of the student to pay the fee.

Full time Student Scholarships
Eligibility for the ULS Full Tuition Scholarship is based primarily on the degree program of study that a student is enrolled in. The table below provides a breakdown of ULS Full Tuition Scholarship eligibility by program of study. Note, that students registered for less than the full-time credits/semester amount shown, will be considered as part-time students (see ‘Part-Time Student Full Tuition Scholarship’).

Part-time Student Scholarships
Students that are enrolled in one of the above programs but enrolled in less-than-full-time semester credits listed, will be eligible for part-time Full Tuition Scholarship amounts. The part-time tuition rate is $2,250 per 3-credit course, and students are expected to seek and utilize all available funding support from personal, familial, congregation, judicatory, and/or external agency resources. Beyond these funds ULS will provide additional support up to the tuition owed.

International Student Scholarships
ULS recognized the invaluable contributions that our international students contribute to the life of the seminary. However, due to limited funding, international students are ineligible for ULS Scholarships during their first year at ULS, and such students will need to provide support from other organizations to cover their studies. After the first year, tuition assistance could be considered for a limited amount on a case-by-case basis.
We are excited to have partnered with the ELCA, to encourage international students to seek funding through the ELCA International Leaders Program. This program is designed to enhance the capacity of the global church for mission and ministry. Please view the additional resources below:
ELCA International Leaders Program Brochure
ELCA Scholarship Application Guidelines

Faculty/Staff Full Tuition Scholarship
Employees of ULS are eligible for a maximum of 3 credits/semester in ULS Full Tuition Scholarship Funds.Students that receive financial aid exceeding their actual COA may result in a reduction of previously offered/disbursed financial aid. For example: Student A is offered a ULS Full-Tuition Scholarship, but only enrolls in a single course—The previously offered scholarship would be reduced to cover one course.

Affiliate Student Scholarships
Evangelical Lutheran Church of American (ELCA)affiliation for ordination students attending ULS are eligible for up to six courses (18 semester credit hours) in Full Tuition Scholarship Funds to earn their Certificate in Lutheran Studies.
To be eligible, students must:
- Not be receiving funds from other sources, such as ELCA Fund for Leaders.
- Complete the affiliation for ordination application for admission. - Be admitted to ULS and returned all admissions documents to the admissions office.
- Complete the FAFSA and ULS scholarship applications.
- Have their Theological Review Panel Report (TRP) and Entrance Decision on file.
- Pay the required Affiliation fee ($1,000) in full.
Note: Students may choose to take less than 6courses and still be eligible for the ULS scholarship, however, will not receive the Certificate in Lutheran Studies.Students that receive financial aid exceeding their actual COA may result in a reduction of previously offered/disbursed financial aid. For example: Student A is offered a ULS Full-Tuition Scholarship, but only enrolls in a single course—The previously offered scholarship would be reduced to cover one course.

ULS Housing Allowance

Campus housing for full-time, residential students in Gettysburg and Philadelphia that bring in full-funding from outside sources, may be subsidized on a case-by-case basis. No housing funding will be provided for part-time or Distributed Learning students.

ULS eCampus Bookstore Line of Credit

All students are eligible to utilize up to $1,000 in the ULS eCampus Bookstore Line of Credit. This online service makes shopping for textbooks simple and easy. Students may view and purchase required and recommended books by visiting the eCampus Book Service website at Purchases made through the eCampus website, up to $1,000, will be billed to students’ ULS Student Account (Henry), and the student will be responsible to resolve these charges (i.e., through financial aid and/or a payment plan with the Student Billing Office. Each semester, the ULS Bookstore notifies students (via email account) of their login credentials to utilize the ULS eCampus Bookstore LOC. In addition, the ULS Student Billing Office sends each student an email reminder with instructions to use the ULS eCampus Bookstore LOC. Kindly note, that students are not required to purchase their books from eCampus. Wise shoppers may find that other online services or bookstores may have a better price. When comparing prices students should be sure to include the cost of shipping, and to also be clear on when a third-party seller may be involved, and the projected time for receiving your books.

Outside/Private (Non ULS) Assistance

All outside/private scholarship and student funding (including congregational/synod, and outside support payments) are classified by ULS into the two categories below, and applied to students’ accounts in the same way.

Donors wishing to designate funding for housing, living, books, etc., would simply needs to indicate this when submitting payments to the Student Billing Office, so it may be properly designated. We strive to be good stewards of our Full Tuition Scholarship funds, and so please kindly note that outside (non-ULS) funding that is not designated towards a specific cost of attendance item will be applied towards students’ tuition charges*. Our aspiration in inviting additional tuition funding for the seminary is to ensure that the maximum number of enrolled students can benefit from all the financial aid we can offer.  Receipt of additional financial assistance such as scholarships, congregational/synod payments, or vocational rehabilitation grants may change eligibility for offers that have already been processed.  All scholarship aid is disbursed to students’ accounts once the drop/add deadline has ended for each semester, so that ULS can verify students’ accounts before disbursement. Please refer to the Academic Calendar on the Registrar’s Office for specific semester dates and deadlines. ULS Scholarship funds, and Federal Loans may be decreased or canceled for students that receive outside assistance after financial aid funds have disbursed to their student account.

Veteran Affairs (VA) Benefits

ULS supports Veterans of the United States military, and spouses or dependents of veterans, and is recognized by the U.S. Department of Veteran Affairs (VA) to offer VA Educational Benefits (GI Bill) to eligible individuals enrolled in approved programs. ULS students eligible for benefits through Chapter 30 (Montgomery G.I. Bill), Chapter 33 (Post-9/11 G.I. Bill),Chapter 35 (Survivors’ and Dependents’ Education Assistance Bill), or other programs sponsored by Veterans Affairs, must complete both of the stepsbelow. Please visit for more information about all available and programs and benefits.

1. Visit to apply for benefits.
2. Submit a copy of your Certificate of Eligibility (COE) to the ULS Registrar’s Office at to establish a file and to verify your enrollment to VA.

Federal Loans

  • Students that indicate ‘No’ but would later like to be considered for a Federal loan, must email their request to
    Prior to the disbursement of a loan that has been accepted on Henry, students must complete:
    1.  Master Promissory Note
    2. Loan Entrance Counseling
    Loan offers are subject to annual and aggregate loan limits. Students may visit to review outstanding Federal loan balances, and for more detailed information on the different Federal student loan programs available. The interest rate for Federal Loans is set by the government and begins accruing immediately. For loans disbursed during the 2020-21 academic year, the interest rate was 6.08% with an origination fee of 1.062% (the origination fee is deducted from the loan before the funds are disbursed to the school). 
    ULS students on internship, project, dissertation, or that are completing other non-credit requirements to graduate will be considered as being at least half-time, and will be eligible for Federal student loans.
  • Federal Graduate Unsubsidized Loans
    Eligible students that indicate interest in Federal loans will be offered a maximum academic year amount of $20,500 ($10,250/semester). It is recommended for students to only accept the amount that they need for educational expenses, since it is not required for the maximum amount to be accepted. If a student accepts an amount lower than what they have been offered, they may contact the Financial Aid Office to request an increase in their originally accepted loan amount.
  • Federal Graduate Plus Loans
    This is a credit-based loan, to be used when a student has exceeded their Unsubsidized Loan eligibility. The PLUS Loan interest rate is generally higher than that of the Unsubsidized Loan, and the borrower is responsible for paying all interest. Students may request a PLUS loan on-line by visiting

Enrollment Census & Disbursement Information

Enrollment Census occurs after the registration drop/add deadline for each semester. After this point in time, the Financial Aid Office works in consultation with the Student Billing Office, to verify student registrations and eligibility for offered funding.  On or about the second week following Enrollment Census, financial aid is disbursed to students’ accounts. Students with remaining balances after disbursement, may make payments through Henry, or directly to the Student Billing Office.
Remaining credit balances from Federal student loans, if any, will be refunded to eligible students within two weeks from the point that loan is applied to students' accounts. Not all students will have a credit balance and not all anticipated credit balances will occur at the same point in the term. Types of aid as well as tuition and fees, books and supplies, room and board, and other miscellaneous student account charges will vary from student to student based on enrollment, on‐campus purchases, and housing/meal plans, if living on campus. Please monitor your financial aid and refund status via Henry. 

Withdrawals & Complete withdrawals

In most cases, the withdrawal date for students who officially withdraw will be the actual date of withdrawal as determined by the ULS Registrar’s Office. Students who cease attending without officially withdrawing are considered "unofficial withdrawal." In this case, the midpoint of the semester (or in some cases, the last date of attendance) will be used in determining the amount of aid to be returned. If you should have to withdraw at any point, please contact the Financial Aid office.

Return of Title IV Funds
Federal regulations state, that if a student who has been awarded a Federal Direct Student Loan withdraws before the 60% point in time of the semester or term, then unearned financial aid funds must be returned within 45 days, and this may result in the student’s owing a balance to the seminary and/or the federal government. The return of Federal Title IV loans is calculated based on the number of days in a semester that a student attends ULS. The percentage of unearned aid to be returned is equal to the number of days remaining in the semester, divided by the number of calendar days in the semester.
Federal loans are returned in the following order:
(1) Direct Graduate PLUS Loan, (2) Direct  Loan. Students determined to be eligible for a post-withdrawal disbursement, will be notified by letter of their eligibility.

FERPA (Family Educational Rights & Privacy Act)

Students that wish to provide authorization for specific individuals to have access to their ULS Financial Aid and Advancement Office information, must complete the online Title IV FERPA form, through the ULS Student Portal, Henry. Please see Section 11.5 (Confidentiality & FERPA).

Contact Information

You can reach us by email at, or by phone at 215.248.6301.