How to Be a Missionary with Student Debt

Bethany DuVal • Sep 23, 2020

Let’s start with the good news: The world is full of missionaries who are happily serving in ministry while paying off their student debt. They aren’t all stellar financial planners, and they aren’t living in poverty to make it happen.

In other words, you can be one of them.

The tips I’m about to give you are simple and practical. I’m not going to tell you what to do, because every situation is different, and I am not a financial advisor. But I will share what’s worked for missionaries before you and share resources created for nonprofit workers. I’ll also share tips for paying off your student debt before you hit the mission field.

Student debt can feel overwhelming no matter what life choices you make. But it does not have to stop you from pursuing God’s call. Here are my best tips for how to be a missionary with student debt.

1. Find Out What Your Mission Agency’s Debt Limit Is.

Most mission agencies realize that if they want well-trained, qualified people, they need to accept missionaries with student debt. After all, roughly 18 percent of American adults are paying off student loans.

But responsible mission agencies also want to lead prospective missionaries to make responsible choices with their finances. That’s why many agencies set a student debt limit (usually around $20,000, according to the Go Fund ). Agencies look at the average missionary’s support levels and what kind of monthly payments a missionary could reasonably make.

TEAM ’s general student debt limit is $30,000. We also look at each situation individually to make sure other factors won’t make that number unmanageable. Being a missionary with student debt should never mean that you struggle to get by financially .

So, ask for your agency’s debt limit and figure out your standard payment plan (more on that later!). This will prepare you for step 2.

2. Build Two Strong Budgets.

Your mission agency will likely work with you to create a budget for the time you are serving abroad. But before that happens, you should build a budget to live on while you’re still at home.

This is a step you may be tempted to skip, but I urge you to resist! Managing your finances abroad is complex. The taxes are different, you’ll have added expenses and nothing is going to be in your currency. If you don’t have a good understanding of your financial situation at home, you’ll struggle to plan for your needs abroad .

If you’ve never created a personal budget, Crown Financial Ministries has a whole library of financial courses (including one on eliminating debt and another on debt-free living). You might also want to look into downloading a budget app to help you sort out your numbers.

Once you have your at-home budget set, you’ll be better equipped to create a budget for your life abroad.

Your mission agency will factor in the average cost of missionary living in your future host country, as well as ministry expenses . You’ll also add in any unique expenses (e.g. medical expenses not covered by insurance). From there, you can decide how to deal with your student debt.

Some missionaries pay for their student loans out of their standard budget, choosing to sacrifice leisure money to make it possible. Other missionaries choose to raise extra funds to cover the payments. There’s no right choice here. Deciding what to do is all about whether you’d rather live on a little less or find more supporters.

3. Pay Extra Whenever You Can.

Christina stands with 2 women she might while being a missionary with student debt

Christina Mayer (middle) has never had a large budget, but her commitment to her finances has helped her pay off student loans — and pay her way through seminary.

“Whenever you can” is the key phrase here. It means you don’t guilt yourself over making the standard payment when things are tight — but you commit to paying more when it’s possible.

TEAM missionary Christina Mayer started Bible college seven years after she graduated high school. She lived alone, and she didn’t have a lot of savings. When she graduated, she ended up working minimum wage.

If anyone could make excuses for not paying extra on her student loans, it was Christina. Still, she says, “I wanted to make a dent in the actual loan, so I always tried to pay at least $20 to $30 more.”

When Christina applied with TEAM, she could easily prove that she knew how to live on less — and certainly could handle being a missionary with student debt. When TEAM sent her to the Czech Republic, she kept making extra payments on her loans, just like she always had.

Gradually, those little extra payments added up . And today, Christina’s taking the next step in her education, paying her way through seminary on a missionary’s salary.

Your debt may feel overwhelming right now, but with dedication, you will see your number drop.

4. Check Out Ministries that Pay Off Your Student Debt.

It may sound too good to be true, but, yes, there are ministries that raise funds just so they can pay off missionaries’ student loans.

The Go Fund pays off student debt for cross-cultural, long-term missionaries who are serving among unreached people groups . Candidates apply online and go through a rigorous interview process. Once you’re selected, you continue paying on your student debts as you go to the mission field. After 10 years of missionary service, the Go Fund pays off your remaining student debt.

MedSend provides student loan repayment grants for professionals serving in healthcare missions service . Their goal is to get healthcare workers to the field as soon as possible, so they make missionaries’ monthly student loan payments while the missionary serves on the field.

Some Christian colleges and universities also have missionary student loan forgiveness programs — especially for recent graduates. If you went to a Christian school, make sure to talk to your alma mater’s financial aid office to see what options may be available.

5. Explore Government Student Loan Repayment Plans

If you don’t qualify for one of the forgiveness programs above, you may qualify for a government program. However, these programs merit a word of warning.

Government student loan forgiveness programs generally require annual paperwork and adherence to strict rules on how you pay back your loans. Many people have thought they were on their way to being debt-free only to find out that they were never qualified. Make sure you know all the guidelines for your forgiveness program and fill out paperwork in a precise and timely manner .

With that warning aside, here are some of the possibilities for Americans with student debt:

The Public Service Loan Forgiveness Program is an option for people employed by the government or not-for-profit organizations — including mission agencies . Similar to the Go Fund, this program requires you to make 120 qualifying monthly payments while you work for a nonprofit. At the end of 10 years, it pays off the remainder of your loans. This program is known for being a bit confusing, so make sure you do thorough research and call their helpline with any questions.

An income-driven repayment (IDR) plan lets you make payments based on your income . Then, after a set amount of time and number of payments, your loans are forgiven. There are several to choose from, and the benefit is generally lower payments. However, each program has pros and cons, depending on your situation.

Finally, student loan consolidation programs can combine your loans in to one easy (and often lower) payment . This often means a longer repayment term, so be mindful of the tradeoff.

What If I Pay Off My Student Loans Before the Mission Field?

Counting money

Instead of becoming a missionary with student debt, you might consider paying off your loans first. But make sure you have a solid, targeted plan to do it.

Some people just don’t like the stress of having student loans hanging over them. Others have so many that they exceed most mission agencies’ student debt limits. Sometimes becoming a missionary with student debt just isn’t the best option. If you’re going to pay off your student loans before you go abroad, though, make sure you have a solid plan.

1. Build Your Budget

Go back to step 2 of the previous section and make yourself a personal budget. Get a handle on what assets and income you have. Look at what you can sacrifice in the coming years. Then create a plan for how much you’ll pay off each year and when you’ll be able to make your final payment.

As you build this financial plan, set dates for when you’ll begin applying with mission agencies . At TEAM, it takes one to two years for a long-term missionary to apply, be accepted, raise support and get to the mission field. So, if your goal is to get the field as soon as possible, you’ll likely want to apply to the agency a year before you make your final loan payment.

Setting these deadlines early will help you maintain your focus over the years.

2. Find Accountability

If you haven’t already talked with your church about your desire to be a missionary, do that now. Your church leaders should have a voice in your calling , and they can help keep you accountable to your vision.

While you’re paying off your loans, look for opportunities to prepare yourself for the mission field. Get involved in cross-cultural ministry and seek out opportunities to build the skills you’ll need on the field. Consider taking a short-term mission trip to help refine your ministry plan.

TEAM Stewardship Coach Jennifer Nickels warns that once you start paying off debt, it’s easy to get caught up in the other things you could start saving for: a house, a baby, a car .

“Sometimes you might … forget that that was something that you originally dreamed or felt called to because now it’s a matter of, ‘Oooh, I could do all of these other things,’” Nickels says.

Plan for this temptation before it comes so you can stay on track and accomplish the ultimate goal.

Don’t Let Student Loans Keep You from Ministry

When we take out student loans, most of us have no idea how they’ll shape our lives. But with the right tools and determination, you can handle them responsibly and live a life of service for God.

“Don’t let the student loans … hold you back,” TEAM missionary Christina Mayer says. “If that’s what God wants you to do, you need to listen and obey and just follow in His footsteps.”

Loving Like Jesus Cross-Culturally (Part 1)

By Megan Lunsford • 23 Apr, 2024
When seeking to serve cross-culturally with an authentic love for others, there’s no better example for us than Jesus. If we sat around a table and threw out the question, “How do we love like Jesus?” I think we would have several commonalities as we respond. For example, Jesus loved all people right where they were. He loved those who were deemed the least, those hardest to love, or those who were His enemies. These are all beautiful realities of the heart of Jesus. When we step into relationships, it can be easier to take on the warmer, more gracious gestures of Jesus’ love, especially in cross-cultural relationships. Think about it––when doing life with those who look and act differently than us, we are already out of our comfort zones and would rather keep things as simple and familiar as possible. But there are other facets of Jesus’ heart we often overlook that can transform us and others even more into His likeness. Jesus is love because God is love. Everything Jesus did was out of love; it’s the mere definition of who He is. As followers of Jesus, He calls us to the same: “Beloved, let us love one another, for love is from God, and whoever loves has been born of God and knows God. Anyone who does not love does not know God, because God is love. In this the love of God was made manifest among us, that God sent his only Son into the world, so that we might live through him. In this is love, not that we have loved God but that he loved us and sent his Son to be the propitiation for our sins. Beloved, if God so loved us, we also ought to love one another. No one has ever seen God; if we love one another, God abides in us and his love is perfected in us.” (1 John:7-12) Every display of love we offer to others is an opportunity for them to encounter the ultimate love of the Father. That’s a pretty big deal! In this article, we’ll look at three expressions of Jesus’ love that we tend to overlook when engaging others cross-culturally. (Next month, we’ll look at three more.) 1. Jesus loved sacrificially. Everywhere Jesus went, crowds followed Him. We even see times in Scripture where Jesus had plans to step away for time alone but those who were hurting found Him and He had compassion on them and stayed with them. Can you imagine rarely having any time to yourself but, instead, constantly being surrounded by crowds of people wanting help from you? Jesus loved sacrificially. He welcomed all who came to Him with love and compassion, never turning anyone away. “When He saw the crowds, He was moved with compassion for them, because they were harassed and helpless, like sheep without a shepherd.” (Matthew 9:36) In the same way, we can make room in our lives for Jesus to bring sacrificial interruptions which, in His eyes, are orchestrated encounters to transfer His love to others. It can be tempting to be so “on mission” that we are full steam ahead and find ourselves frustrated when the Holy Spirit sends an interruption into our path that we feel we don’t have time for. Or, perhaps, we have scheduled a meet-up but it’s the norm in another culture to be 30 minutes or an hour late. We anxiously think through how it will affect whatever we have planned next. While it’s normal to feel a little stressed, what if the very "interruption” standing in front of you was really a divine appointment sent by God? Or what if that person running late experiences how peaceful and gracious you are in adapting to their culture and therefore, they can encounter a beautiful display of Jesus’ love? To truly represent Christ, we should remain ready and willing for each assignment the Lord sends into our path, no matter the cost or how much we will have to re-route our day. He is always a hundred steps ahead and will work all things for His glory and our good. 2. Jesus loved by discerning each situation well. Think about how many situations Jesus had to respond to on a daily basis. We read in Scripture that there were lines of people waiting to be healed by Him, talk to Him, hear His teachings, or simply touch the hem of His robe. Jesus was fully dependent on His Father to discern each situation before addressing it. “Most assuredly, I say to you, the Son can do nothing of Himself, but what He sees the Father do; for whatever He does, the Son also does in like manner.” (John 5:19) Another temptation we can have when in a relationship with those God has sent us to is to think we already know the solution or what God wants to do before we’ve even asked Him. We believe we are full of knowledge, so we just pull from the bank we have stored within and go with it. However, when we access what is familiar to us as our default, we risk missing out on a God-given solution that might truly be the key to unlocking whatever challenge is in front of us. What does this look like when interacting with others? We can simply ask, “God, what is on Your heart for the person standing in front of me?” Then we listen and respond as He speaks. When we make it a daily habit to pause and hear God’s heart for each situation before responding, we are guaranteed to be effective in loving those around us. He knows the heart of every person that will cross our paths. Imagine how impactful we can be if we first lean on His wisdom and discernment before moving forward. 3. Jesus loved by speaking truth. Most of us are familiar with the story of Jesus and the Samaritan woman at the well. If we are honest, this conversation makes us a bit nervous as none of us would be comfortable with Jesus calling out intimate details of our lives that we would prefer to hide. But Jesus went further than just airing her dirty laundry. He offered her the hope of the Gospel and a relationship with Him - a divine fulfillment that could never be found in an earthly relationship. Jesus modeled a powerful example of loving others well cross-culturally. He took the low place and spoke truth, truly out of love––speaking to her heart from His. Like Jesus, our goal in sharing the truths about Him and His Word is to bring hope and satisfaction through Him alone. When we speak truth from Scripture, we are calling others higher into all God has for them. The tricky part here is we should avoid speaking truth if it isn’t first fueled by compassion. If it merely comes from a place of judgment, condemnation, or self-righteousness, it will fall flat 100% of the time. But if it truly comes from love, you are likely to not only win a heart back to the Father but, like the story of the Samaritan woman, even an entire village! If you see someone living outside of God’s best for their lives, ask God to show you your heart before engaging theirs. Once your heart is properly postured, you can speak truth out of an overflow of God’s love and trust Him for a transformation in their lives.

Hospitality, Help, and the Hope of the Gospel

By Suzanne Pearson • 16 Apr, 2024
TEAM Canada provides warm welcome and trusted friendships for diaspora populations living far from their native countries. As TEAM Canada workers Peter and Ruth (names changed) drive from their home to a nearby community center, they pass numerous apartment buildings and townhouses. Most of the families who live there are immigrants. They’ve left their countries of origin due to political unrest, trauma, and other difficulties. They’ve left family, friends, homes, jobs, and personal wealth behind. They search for peace, justice for the oppressed, and rest from fear and weariness. And as they adjust to a new country and a new language, they are often very isolated from others around them. “The sad reality is most immigrants are never even invited inside a Canadian home,” says Ruth. Peter and Ruth and their team try to change that reality. For the last nine years, the team, which includes workers from partner organizations as well as volunteers, has held English classes at the community center. Three days a week, over 60 students from more than 20 countries come together to learn English as well as to fellowship together and receive practical help in assimilating to a new normal. Meeting Needs and Building Trust That practical help may come in the form of procuring furniture, clothes, or dishes for newcomers, assistance with creating a resume and finding a job, or teaching people how to navigate Canadian laws and the medical system. As these tangible needs are met, relationships are built. “We invite them into our homes for meals and games,” Ruth shares. “We take them on hiking trips, picnics, outings, and out for coffee.” This is particularly important in this type of ministry because most immigrants come to Canada from cultures that value hospitality. Conversely, Canadians do not typically prioritize hospitality and consequently many newcomers feel lonely and isolated. Inviting folks to various gatherings and outings allows the team to spend extended time hearing people’s stories, struggles, hopes, and dreams. When she speaks about building friendships, Ruth’s heart for the people she serves is evident. “Hearing their stories, it’s easy to love them, and many have become close friends,” Ruth says. “We recognize the value of steady one-on-one relationships.”
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