SUM Bible College and Theological Seminary

El Dorado Hills, CA 95762 — Private Nonprofit

Value Score: 65/100 | ROI Score: -15 | Affordability Score: 90/100

Tuition (In-State): $10,460 | Out-of-State: $10,460

Acceptance Rate: 40.7% | Graduation Rate: 67.4% | Retention Rate: 64.3%

Median Earnings (10yr): $35,418 | Median Debt: $26,677

Student Body Size: 198 (small)

Pell Grant Recipients: 44.6% | Federal Loan Rate: 43.1%

Average Faculty Salary: $5,000/month

Tuition & Affordability Analysis

In-state tuition at SUM Bible College and Theological Seminary is $10,460 per year, which is 73% below the national average for private institutions.

Out-of-state students pay $10,460/year — a premium of $0 over in-state rates. Over four years, out-of-state students pay approximately $0 more than their in-state peers.

Estimated four-year tuition cost: $41,840 (tuition only, not including room, board, and fees).

What You Actually Pay: Net Price by Family Income

The sticker price rarely reflects what families actually pay. After grants and scholarships, here is the average net price by family income bracket at SUM Bible College and Theological Seminary:

Families earning $0–$30,000: $21,249/year
Families earning $30,001–$48,000: $22,068/year
Families earning $48,001–$75,000: $21,807/year
Families earning $75,001–$110,000: $23,144/year
Families earning $110,000+: $17,426/year

Admissions Snapshot

SUM Bible College and Theological Seminary has an acceptance rate of 40.7%, placing it in the Selective (35–50%) category. This means roughly 122 students apply each year.

Graduate Outcomes & Return on Investment

67.4% of students at SUM Bible College and Theological Seminary complete their degree, 9% above the national average. This is a solid graduation rate.

First-year retention rate: 64.3% (21% below the national average). A retention rate below 75% suggests some students struggle with fit, academics, or affordability.

Graduates of SUM Bible College and Theological Seminary earn a median salary of $35,418 ten years after enrollment, 13% below the national average. This represents a $418/year earnings premium over the average high school diploma holder, or $12,540 in additional lifetime earnings over a 30-year career.

The median student debt at graduation is $26,677, 24% above the national average. On a standard 10-year repayment plan at 5.5% interest, this translates to approximately $290/month, with a total repayment of $34,800 (including $8,123 in interest).

Debt-to-Earnings Ratio: 0.75x. This is a healthy ratio, suggesting debt is manageable for most graduates.

Breakeven Point: Based on the earnings premium over high school graduates, a degree from SUM Bible College and Theological Seminary pays for itself in approximately 101 years. This is a longer payback period — consider whether your intended major leads to higher-earning career paths.

Financial Aid Profile

44.6% of students at SUM Bible College and Theological Seminary receive Pell Grants (federal need-based aid for families earning under ~$60,000), 35% above the national average. This is near the national average, reflecting a typical economic diversity among the student body.

43.1% of students take federal loans, 8% below the national average. This is a moderate borrowing rate.

Average faculty salary: $5,000/month, 43% below the national average. Higher faculty salaries generally indicate greater investment in teaching quality and ability to attract experienced professors.

Student Body & Campus Diversity

SUM Bible College and Theological Seminary enrolls 198 undergraduate students. As a small institution, students can expect smaller class sizes, closer faculty relationships, and a tight-knit campus community.

Diversity Index: 79/100 (higher = more diverse). SUM Bible College and Theological Seminary has a highly diverse student body with strong representation across multiple racial and ethnic groups.

Student body composition: White 31%, Hispanic 19%, Black 26%, Asian 12%.

SUM Bible College and Theological Seminary: Moderately Affordable with Room for Improvement in Graduation Rates

Faith, Future, and Finances: Is SUM Bible College a Worthy Investment?
Beyond the Sermon: SUM Bible College's Path to Ministry Careers
Affordable Faith Education in California: Exploring SUM Bible College

Report Card: Overall Grade C

SUM Bible College and Theological Seminary receives an overall grade of C based on six dimensions:

Academics: C+
Value: F
Outcomes: C
Affordability: A+

College Analysis

SUM Bible College and Theological Seminary is a Private Nonprofit institution in El Dorado Hills, CA with approximately 198 students. Academics: SUM Bible College and Theological Seminary has a graduation rate of 67.36%, indicating a moderate success rate in completing degrees. Value: The college offers a relatively affordable tuition of $10,460, making it a cost-effective option for students. Outcomes: Graduates have a median earning of $35,418 after 10 years, which is below the national average for similar institutions.

The Verdict: Is SUM Bible College and Theological Seminary Worth It?

SUM Bible College and Theological Seminary presents a complex value proposition. With a median debt of $26,677 and a 10-year median earnings of $35,418, the immediate financial picture suggests a challenging debt-to-income ratio. The ROI score of -15 further underscores this concern, indicating that, on average, graduates earn less than their debt burden over a decade. The annual tuition of $10,460, while not exorbitant, contributes to the overall debt. A direct comparison shows that the median annual earnings are only slightly higher than the total tuition cost. Paying off the median debt of $26,677 at a typical interest rate would likely take several years, potentially consuming a significant portion of early career earnings. Given these figures, SUM Bible College and Theological Seminary appears to be an overpriced investment for individuals primarily seeking high earning potential in secular fields. However, for students called to ministry and willing to accept lower financial compensation in exchange for vocational fulfillment, the value may be perceived differently. For those prioritizing financial return, this institution is not a good deal. For those prioritizing theological education and a specific vocational path, it might be a necessary, albeit financially demanding, choice. Recommendation: Proceed with caution, thoroughly exploring all financial aid options and understanding the long-term earning potential within chosen ministry fields.

Return on Investment

While the tuition is affordable, the lower graduation and earning rates suggest that the degree may not provide the best return on investment.

Debt Reality Check

Median student debt at SUM Bible College and Theological Seminary: $26,677. Monthly payment on a standard 10-year plan: $303/month. Total repaid: $36,360 ($9,683 in interest).

Breakeven vs high school diploma: 4.9 years. Debt burden: Moderate. Salary needed for comfortable repayment: $36,360.

Strengths

Affordable tuition
Diverse student body
Strong focus on religious studies

Weaknesses

Lower graduation rate
Higher median debt
Regional student base

Academic Profile

Retention Rate: 64.3%.

SUM Bible College and Theological Seminary's academic profile is sharply defined by its commitment to biblical education. The core strength lies in its theological programs, designed to equip students for pastoral leadership, ministry, and advanced theological study. While specific department names might be limited, expect robust offerings in areas like Biblical Studies, Theology, Pastoral Care, and potentially Christian Counseling or Missions. Research opportunities, while perhaps not on the scale of a large research university, will likely be integrated into coursework through in-depth research papers, thesis projects, and faculty-mentored independent studies. Faculty quality is a crucial element in a specialized institution like SUM; while specific salary data isn't available, the dedication of faculty in theological seminaries often extends beyond typical academic roles, involving mentorship and spiritual guidance. The student-faculty ratio, though not explicitly provided, is likely low given the small student population, allowing for personalized attention. Honors programs might exist as advanced tracks within degree programs, offering more challenging coursework and research. Study abroad opportunities, if offered, would likely be mission-trip focused, providing practical, cross-cultural ministry experience. Academic support resources would center on tutoring in biblical languages, writing support for theological papers, and spiritual mentorship to navigate academic challenges.

Financial Aid Guide for SUM Bible College and Theological Seminary

Pell Grant recipients: 44.6%. Students taking federal loans: 43.1%.

Navigating financial aid at SUM Bible College and Theological Seminary requires understanding its specific mission and cost structure. Given the tuition of $10,460 for both in-state and out-of-state students, the sticker price is relatively accessible compared to many private institutions. Merit aid is likely tied to academic achievement and potentially spiritual leadership or ministry potential, though specific scholarship amounts and criteria would need direct inquiry. Need-based aid will be a significant component, assessed through the FAFSA. For students from lower-income backgrounds, Pell Grants could be a substantial part of their aid package, though the Pell Grant Rate is not provided. Federal student loans are another common source, and the Federal Loan Rate is also unavailable, but it's a standard offering. Work-study opportunities may be available, allowing students to earn money through on-campus jobs, often related to ministry or administrative support. Typical aid packages will vary widely based on individual financial circumstances, but expect a combination of grants, scholarships, and loans. Scholarship tips include seeking out denominational scholarships if applicable, and looking for specific ministry-focused scholarships. Negotiating aid at a smaller, specialized institution like SUM is generally less common than at larger universities; the focus is typically on meeting demonstrated need within the available resources. It's crucial to contact the financial aid office directly to understand the full scope of aid available and to receive personalized guidance.

Hidden Costs at SUM Bible College and Theological Seminary

Textbooks and study materials can range from $800 to $1,200 per academic year, depending on course requirements.
Campus housing, if provided, could add $5,000 to $8,000 annually, depending on the type of accommodation.
Meal plans, if not included with housing, might cost between $3,000 and $4,500 per year.
Student activity fees, technology fees, and other miscellaneous campus fees could total $300 to $600 per year.
Transportation costs, including gas, insurance, and maintenance for a personal vehicle, can add $1,000 to $2,500 annually.
Parking permits, if required for on-campus parking, might cost $100 to $300 per academic year.
Personal expenses, such as toiletries, clothing, and entertainment, can vary greatly but budget at least $1,500 to $3,000 per year.

Alumni Outcomes & Career Paths

Graduates from SUM Bible College and Theological Seminary primarily enter roles within religious organizations, non-profits, and educational institutions. While specific major employer data is not publicly available, alumni typically find positions as pastors, youth ministers, chaplains, missionaries, educators, and administrators within churches and faith-based organizations. Industries where alumni cluster are predominantly religious services, social assistance, and education. Due to the specialized nature of the degrees, direct placement into large corporate sectors is less common. Graduate school placement rates are not explicitly detailed, but many alumni pursue further theological studies at other seminaries or divinity schools to advance their ministerial careers. Notable alumni are often recognized within specific denominational circles rather than broad public recognition. Career services at SUM Bible College and Theological Seminary likely focus on connecting students with ministry opportunities and providing guidance for pastoral leadership. Internship pipelines are typically established through partnerships with local churches and denominational bodies, offering practical experience in ministry settings. Geographic hiring patterns show a strong tendency for graduates to remain within California or return to their home states to serve in local congregations, reflecting the localized nature of many religious vocations.

Campus Life & Culture at SUM Bible College and Theological Seminary

The student body at SUM Bible College and Theological Seminary is likely composed of individuals deeply committed to Christian faith and ministry, seeking specialized theological education. The geographic mix may lean towards California and surrounding Western states, though students from further afield are certainly possible. Students who thrive here are those who are self-motivated, possess a strong sense of spiritual purpose, and value a close-knit, supportive community focused on shared values and academic rigor in biblical studies.

SUM Bible College and Theological Seminary, nestled in the scenic foothills of El Dorado Hills, California, offers a distinctively focused campus experience. With a student body of around 198, the community is intimate and intentionally geared towards spiritual formation and academic rigor in biblical studies. Social life here is less about sprawling parties and more about shared purpose and fellowship. Expect a vibrant community centered around chapel services, small group Bible studies, and ministry-focused activities. The 'vibe' is one of deep commitment, mutual encouragement, and a shared journey of faith. While specific neighborhood details are less relevant given the concentrated campus, the surrounding El Dorado Hills area provides a suburban backdrop with access to outdoor recreation. Housing is typically provided on or near campus, fostering a close-knit living environment. Dining services are designed to support the community, likely offering communal meals that further enhance fellowship. Student organizations will naturally revolve around spiritual disciplines, outreach, and academic clubs related to theology and ministry. Athletics, if present, would likely be intramural or focused on discipleship rather than competitive NCAA sports. The emphasis is on building character and equipping students for ministry, making the social scene a supportive ecosystem for personal and spiritual growth.

Campus Highlights

Intimate, faith-centered community fostering deep spiritual growth.
Focused curriculum designed for practical ministry preparation.
Dedicated faculty who serve as mentors and spiritual guides.
Affordable tuition compared to many private theological institutions.
Location in the scenic foothills of Northern California.
Emphasis on discipleship and character development alongside academics.
Opportunities for hands-on ministry experience.

Location & Regional Advantages

SUM Bible College and Theological Seminary's location in El Dorado Hills, California, offers a unique regional context. Situated in the Sierra Nevada foothills, it provides a serene environment conducive to focused study. The local job market in El Dorado County and the greater Sacramento area is diverse, with opportunities in government, healthcare, education, and technology. However, for SUM graduates, the immediate geographic advantage lies in its proximity to a significant number of churches and faith-based organizations throughout Northern California, a region with a substantial religious presence. The cost of living in El Dorado Hills is moderate to high, typical for the Sacramento metropolitan area, which could influence post-graduation financial planning. Proximity to Sacramento (approximately 30 miles) provides access to a larger urban job market and more diverse internship possibilities. Quality of life in the region is generally high, with access to outdoor recreation in the nearby mountains and lakes, and a generally safe environment. While not a direct hub for secular industries that might recruit seminary graduates, the concentration of religious institutions in California and neighboring states can be a significant factor for alumni seeking pastoral or ministry roles.

How to Get Into SUM Bible College and Theological Seminary

Gaining admission to SUM Bible College and Theological Seminary, with an acceptance rate of 40.7%, suggests a moderately selective process that values a clear commitment to its mission. Early Decision or Early Action advantages are likely minimal here, as the focus is on finding students who are a good fit for the seminary's specific theological and ministerial training. The admissions office will highly value applicants who demonstrate a genuine calling to ministry, a strong understanding of their faith, and a desire to grow spiritually and academically within SUM's framework. While GPA and test score ranges are not provided (SAT/ACT Average: N/A), expect them to be less of a deciding factor than a compelling personal statement and letters of recommendation that speak to character and potential for ministry. Essay topics that work well would focus on personal faith journeys, theological interests, ministry aspirations, and why SUM specifically is the right place for their education. Demonstrated interest is important; this means actively engaging with the admissions office, attending virtual or in-person information sessions, and visiting campus if possible. The timeline recommendation is to apply well before any stated deadlines, ideally starting the application process in the fall of your senior year of high school or the year prior to intended enrollment, to allow ample time for gathering recommendations and crafting a thoughtful application.

How SUM Bible College and Theological Seminary Compares to Similar Schools

Similar schools: Azusa Pacific University (Theology programs), Biola University (Talbot School of Theology), Western Seminary (San Jose, CA)

Advantages

Lower sticker price tuition compared to some larger private universities.
Strong focus on biblical studies and practical ministry training.
Smaller class sizes fostering closer faculty-student relationships.

Disadvantages

Significantly lower median earnings post-graduation compared to peers.
Limited national recognition and employer network outside of religious sectors.
Fewer resources and broader career services support compared to larger institutions.

Best For

Students seeking a more comprehensive academic experience with higher graduation rates may want to consider other options.
Prospective students should be aware of the higher median debt and consider their financial situation carefully.

Avoid If

Students looking for a more affordable option with a strong focus on religious studies may find SUM Bible College and Theological Seminary suitable.
Individuals with a clear career path in ministry or religious studies may benefit from the college's specialized programs.

Frequently Asked Questions about SUM Bible College and Theological Seminary

How much does it cost to attend SUM Bible College and Theological Seminary?

In-state tuition at SUM Bible College and Theological Seminary is $10,460 per year, and out-of-state tuition is $10,460 per year. The median student debt at graduation is $26,677.

What is the acceptance rate at SUM Bible College and Theological Seminary?

SUM Bible College and Theological Seminary has an acceptance rate of 40.7%.

What is the graduation rate at SUM Bible College and Theological Seminary?

SUM Bible College and Theological Seminary has a graduation rate of 67.4%.

How much do SUM Bible College and Theological Seminary graduates earn?

The median earnings for SUM Bible College and Theological Seminary graduates 10 years after enrollment is $35,418. With median debt of $26,677, graduates earn roughly 1.3x their debt level annually.

How big is SUM Bible College and Theological Seminary?

SUM Bible College and Theological Seminary has approximately 198 students and is classified as a small institution. It is located in El Dorado Hills, CA and is a Private Nonprofit institution.

Is SUM Bible College and Theological Seminary worth the cost?

SUM Bible College and Theological Seminary has an ROI score of -15 out of 100. With in-state tuition of $10,460 per year and median post-graduation earnings of $35,418, the data suggests the return on investment may be below average.

Where is SUM Bible College and Theological Seminary located?

SUM Bible College and Theological Seminary is located in El Dorado Hills, CA. It is a Private Nonprofit institution with approximately 198 students.

How much student debt do SUM Bible College and Theological Seminary graduates have?

The median student debt for SUM Bible College and Theological Seminary graduates is $26,677. With median earnings of $35,418 ten years after enrollment, graduates can expect a debt-to-income ratio of 75%.

Is SUM Bible College and Theological Seminary a good college?

SUM Bible College and Theological Seminary has a graduation rate of 67.4% and median post-graduation earnings of $35,418. The college has a diverse student body with a significant Hispanic population.

How does SUM Bible College and Theological Seminary compare to similar colleges?

The admission rate is relatively high at 40.68%, suggesting a more accessible admissions process. Compared to peer institutions, SUM Bible College and Theological Seminary offers a more affordable tuition but has lower graduation and earning rates.

What career prospects do SUM Bible College and Theological Seminary graduates have?

Graduates of SUM Bible College and Theological Seminary are well-prepared for ministry roles and religious studies careers.

What should prospective students know about SUM Bible College and Theological Seminary?

The college's position in the market is strong due to its affordability, but it may struggle to attract students with its lower graduation and earning rates.

What makes SUM Bible College and Theological Seminary stand out?

The median debt of $26,677 is above the national average, indicating a need for careful financial planning.

What are the pros and cons of attending SUM Bible College and Theological Seminary?

The college's location in El Dorado Hills, CA, may limit its reach to a more regional student base.

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View on College Scorecard (Dept. of Education)

Analysis based on U.S. Department of Education data. Not enrollment advice. Verify information with the institution directly.