Saint James College Seminary
But, if you cannot, we would be honored to discuss
ways that our hightly-affordable school may assist you
!
Wallace
" I recently graduated summa cum
laude from a major university.  I now
have $103,000 in student loans, which
will not be paid off for 30-years.  
While I still haven't landed a job, I
think it will be worth it in the long run"
Straight talk about finances in today's troubled economy.  Truly, if
you can afford Harvard, or Yale, or Smith, the University of Texas,
or UCLA, then we recommend that you enroll in one of these
great schools!
"The ever-increasing cost of education is not sustainable" -- Louis E. Lataif, Forbes Magazine

Since the late 1980's, the cost of attending an American
college or university has gone up 440%!

As tuition costs have risen, the ability of many students and families to pay them has
diminished radically.  The National Center for Public Policy and Education points out
that college costs have gone up nearly four times inflation rate.  And, this is true at
both private and state colleges and universities.  

"These increases in college costs are absolutely unsustainable over the long run,"
says Saint James College chancellor, Dr. Janice Learman. "The noble history of affordable
excellent eduction in this nation is slipping away from us.  A new paradigm is on the horizon and approaching rapidly
;
it portends a decreasing likelihood that all but the wealthiest will find the doors to ivy-covered halls closed to them."

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    We have never had a tuition increase and offer among the lowest rates on earth

    An exception to the upward spiral is
    Saint James CollegeSeminary!

"Saint James College Seminary and our sister, The Women's College Seminary, have never had a tuition increase -
ever," Chancellor Learman points out.  "In our page discussing
accreditation, we explore the reasons for this
fortunate phenomenon.   In brief, we are owned by the interfaith, non-denominational
Love Church Worldwide, (TLC)
whose mission is affordable ethical and spiritual education for adults.  

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____________________
Our
COURSES &
MAJORS
at a Glance
____________________
IMPORTANT
FEATURES
Attend an Ivy League or other great school if you
can afford it!  However, SAINT JAMES may be a
good Number 2 choice to meet your needs.  
To deliver a world-class online education,
WE TRY HARDER!

Get the best education
that you can afford!  
Go to the best school
that you can afford,
always.  

HOWEVER, SAINT JAMES OFFERS AN UNCOMMON SPECIAL
ADVANTAGE FOR CASH-STRAPPED ADULT LEARNERS!

  • NON-PROFIT MEANS SAVINGS FOR YOU:  Because we are an educational center of excellence through
    TLC (which is fully government-chartered), our seminary programs are not-for-profit

  • WE MAY BE ABLE TO MEET YOUR MID-CAREER NEEDS:  While officially
    chartered, we are not regionally accredited like the secular colleges and
    universities that we have recommended.  This presents challenges for
    students wishing to use our ethical-spiritual degrees for state licenser in fields
    such as registered nursing, physician assistant, etc.  On the other hand, our
    ecclesiastic degrees are fully legitimate and, if you don't require a government
    license for your profession (or you already have on one), you may find us to
    be totally satisfactory in meeting your educational needs.

  • A SAINT JAMES DEGREE THAT YOU CAN AFFORD MAY SERVE YOU BETTER THAN AN IVY LEAGUE
    DEGREE THAT YOU CANNOT AFFORD!  An MBA from the Wharton School of Business is to be preferred
    over an MBA in spiritual program or NGO  management from Saint James College Seminary.  But, AN MBA
    FROM SAINT JAMES MAY POSSIBLY BE CONSIDERABLY BETTER THAN NO DEGREE FROM A LARGER,
    MORE-FAMOUS, SCHOOL THAT YOU CANNOT AFFORD TO ENTER!

  • FAST-TRACK PROGRAM:  And,our online adult-learner accelerated Fast-Track educational program
    might suit your needs if you are at the point in your life where stopping your career to enroll in a bricks-and-
    mortar school simply may not be feasible.

  • THE LOWEST TUITION RATES ANYWHERE:  Our mission is to provide world-class education at the lowest
    tuition rate available at any school anywhere.

  • CREDIT FOR REAL-LIFE EXPERIENCE:  Our charter permits us to grant up to one-half credit for
    legitimate past experience in your chosen field.  This may significantly reduce the number of lessons you
    have to take here...as well as vastly reduce your tuition requirement.

  • EYE-OPENING STUDENT LOAN STATISTICS:  Many graduates of the large, highly-desirable, private and
    state universities carry huge
    student loan debt loads after
    leaving school.  The National
    Center for Education Statistics at
    the US Department of Education
    conducts a National Postsecondary
    Student Aid Study (NPSAS).  Their
    most recently-available study
    (2007-2008) surveyed a total of
    114,000 undergraduate students,
    along with 14,000 graduate students
    and finds that 25% of these
    graduates borrowed $30,526 or a
    higher amount.  Fully 10% indebted
    themselves to  $44,668 or more.

    THE SITUATION IS EVEN MORE
    DIRE FOR GRADUATE-LEVEL
    STUDENTS:

    1.  Estimates are that the cumulative debt for
    a student earning a graduate degree now tends to range between  $30,000 and $120,00!
    2.  The average post-graduating debt carried by master-level students is $25,000 for a Master's degree
    3. It is $52,000 for those graduating with a doctoral degree such as a PhD.
    4.  And, for those with a professional degree, the total owed when entering post-graduate live averages
    $79,836.
    5.  25% of masters graduates borrow in excess of $43,000
    6.  25% of doctoral (PhD or similar) degree graduates borrow over $75,000
    7.  25% borrow more than $75,712 for a doctoral degree
    8.  And, 25% of professional degree graduates leave school owing some $118,500.

    BUT, IT IS EVEN WORSE FOR MANY GRADS, AS SHOWN BY THE NPSAS STUDY:
    9. 10% of those earning a masters degree leave owing roughly $60,000
    10. 10% leave having borrowed over $123,000 for a masters degree
    11. 10% of doctoral degree grads borrow $123,650
    12.  10% of for a professional degree walk out of college having borrowed over $159,000.



    SAINT JAMES COLLEGE SEMINARY STUDENTS
    GRADUATE WITH NO STUDENT LOANS!

    With our 0% interest tuition loan program, students requiring this
    assistance make a small initial payment upon enrolling and make
    manageable interest-free tuition payments while studying here.  These
    are paid in full by graduation and our students leave with their diplomas
    owing nothing.  They are free to resume their professional lives with a
    totally clean slate, in terms of student loan debt:  they have none!