Federal Stafford Loan Rates

Period	Rate
During school, grace and deferment periods	6.54%
During active repayment, including forbearance periods	7.14%

Federal Parent PLUS Rate

Period	Rate
For all periods during repayment, including forbearance and deferment	7.94%

Federal Stafford Loan Rates

Period	Rate
For all periods, including in-school, grace, deferment, and repayment periods	6.80% fixed

Federal Parent PLUS Rate

Period	Rate,
For all periods during repayment, including forbearance and deferment	8.50% fixed

CERTIFICATE PROGRAMS All basic certificate programs are available at $250 tuition, including: Paralegal Certification training Chaplain Certification Mental Health Technician Private Investigator Certification Internet and Website Essentials for Small Businesses Stress Management/Anger Management Certification Therapeutic Hypnotism Certification Community Health Residence Worker Traditional Healers Certification Creative Writing Professional Management Certification Executive Management Certification Entrepreneurship Integral Executive Leadership Business Team Building Certification Project Management Certification Africana Studies Certification (also a Bachelors and Masters Degree program) Medical Office Management Certification Professional Marketing Certification Professional Ethics Certification

TUITION FOR DEGREE PROGRAMS Saint James College charges what may be the lowest college tuition rates in North America. Undergraduate degrees: Tuitions for mid-career learners can range from $1,000 - $3,000 in our Fast Track Program for Professionals, depending on the number of credit hours you already have and factoring in the percentage of real-life professional experience with which we can credit you. (Saint James College is permitted to give up to one-half credit for real-life experience.) Masters Degrees :$2,500-$5,000 000 in our Fast Track Program for Professionals, depending on the number of credit hours you already have and factoring in the percentage of real-life professional experience with which we can credit you. (Saint James College is permitted to give up to one-half credit for real-life experience.) Doctorate Degrees :$4,500 - $6,000 in our Fast Track Program for Professionals, depending on the number of credit hours you already have and factoring in the percentage of real-life professional experience with which we can credit you. (Saint James College is permitted to give up to one-half credit for real-life experience.) Some degrees, such as our Doctor of Naturopathic Medicine major may charge slightly different tuition rates.

ALL previous college / university credits will be accepted: It is often a fact of life for mid-career adult students that their previous college experience occurred in the in the somewhat distant past, frequently a considerable number of years ago. Adult learners frequently have a great deal of difficulty transferring these fully-legitimate-but-old credits into new educational programs. Unlike most colleges and universities, Saint James College routinely accepts all documented academic credits that you have earned previously at other institutions of higher education. This is true even for previously-earned credit hours. As an example, if your credits were earned ten years ago, most schools require that you re-take large numbers of courses when you enroll in their programs. Naturally, this brings in tidy amounts of extra income for them. But, with Saint James College, we do not require you to re-take classes to generate profits for our school.

Two caveats: We are accredited by the Association of Accredited Bible Schools. We strictly adhere to our mission of providing world-class education in a conveniently-presented distance learning format. Our courses are academically sound, our faculty and instructors are highly-competent and helpful, and we strive to offer among the lowest tuition rates in North America. Because we are a relatively new college, we are not yet regionally accredited. This is less and less important in today’s job market where employers are hungry for qualified employees and have fewer concerns about regional accreditation than in the past. Our degrees are not regionally accredited by an agency accepted by the U.S. Dept. of Commerce, but they are real degrees, legitimate, and awarded by a college that is sponsored by a fully-chartered parent, The Love Church Worldwide inter-faith denomination.

As many as 99% of non-traditional education students surveyed by a government-sponsored study said that they feel their degree meets or exceeds a traditional degree.

The study showed that roughly one-fifth of those who were awarded a non-traditional under-graduate degree went on to obtain a masters or doctorate. 97% of the non-traditional undergrads were accepted by the grad school that they preferred. Three percent reported some difficulties in presenting a non-accredited degree or transcripts from a non-accredited college, or for having obtained real-life experience credits. The bottom line is that the study showed that a full 94 percent reported no difficulty in being admitted to graduate school due to having an unaccredited degree or earning it through non-traditional or online education.

(See Sosdian, Carol P. and Sharp, Laure M., The External Degree as a Credential: Graduates’ Experience in Employment and Further Study, Washington, D.C., U.S. Department of Health, Education and Welfare.)

The second caveat is that Saint James College degrees must have a "spiritual flavor" to them. Due to being owned by a chartered religious denomination, the government requires that our degrees be awarded with a relationship to a church or spiritual competency. You may sign your name with your credentials, such as Kathy Smith, M.S.N., or Larry Jones, M.S.N., but the government requires that your actual Saint James College diploma must say "Masters of Science in Nursing and Spiritual Services" or, perhaps, "Masters of Science in Nursing and Parish Family Counseling." Because our degrees were designed at the outset to assist priests, ministers, and spiritual workers to increase their competencies and advance their careers, this has been consistent with our mission. It also enables us to offer Masters and other degrees for as much as 95% below the "market" cost in traditional education. Nonetheless, this requirement may not be acceptable to all students. Consider all higher educational degree programs carefully and choose one that matches both your budget and also your professional needs.

You will also receive a suitable-for-framing generic, secular (non-religious) certificate that says that you have earned and been awarded your degree.