R.L., I am sending in an application to LBU this Friday...graduate school Ph.D. program. It is my understanding that if you arrange for a payment plan, all start up costs/fees are included in amount financed. What will be required from you is a $200.00 deposit; $100.00 monthly payments and all start up costs/fees are included in amount financed. As for interest, I do not believe there is any…do not quote me on that however.
Speaking as a graduate of Andersonville Theological Seminary, one can do much better than ATS without going into debt.