Remember that seminary is a starting point, not a stopping point. It is not an end in itself but a place of preparation and great beginnings. Often those with an undergraduate degree in Bible or theology can earn advanced standing by demonstrating of proficiency in certain courses. Depending on the institution, advanced standing can eliminate a significant amount of time spent in graduate school. You should expect special requirements for admission to this type of program, such as minimum age requirements, exceptional ministry experience, academic assessment test scores, ministry potential, and so on.
Many seminary students work part time to pay for their education.
Most schools will also provide some financial aid. If you make your plans known to your pastor, church leaders, and friends, the Lord may use them to help you financially. You may qualify for scholarships from your denomination, local civic groups, or other organizations. Many seminaries permit you to spread your tuition payments throughout the year or to defer part or all of your school expenses until after graduation through loan programs. When you put it all together, you will probably realize that what at first seems to be a large cost is actually within reach.