Theological and Ministerial Studies at Southeastern University

Southeastern University's theology program lands squarely in the middle of Florida's ministry training landscape—it's literally at the state median for earnings while keeping debt slightly below average. That 60th percentile state ranking matters more than the 35th percentile national one, since most graduates will likely serve in Florida churches and ministries where local cost of living and compensation structures apply.

The $29,809 first-year salary is characteristic of entry-level ministry work, whether in youth ministry, church administration, or pastoral roles. The debt load of $23,218 translates to manageable monthly payments of around $260 over 10 years—roughly 11% of gross income. This is workable, though tight, especially if graduates enter full-time ministry positions with housing stipends or other benefits common in this field. However, ministry work often requires financial sacrifice, and graduates should expect lean early-career years regardless of which Florida school they choose.

The real question is whether paying similar amounts for notably higher outcomes at schools like Baptist University of Florida (15% higher earnings) makes sense. For families committed to Southeastern's denominational affiliation or campus community, this program offers a financially viable path into ministry. Just understand that "viable" in this context means modest earnings that align with the field's realities, not a stepping stone to financial comfort.