Healthy Pastors, Healthy Congregations

The Healthy Pastors, Healthy Congregations program restores the financial health and wholeness of Presbyterian Church (U.S.A.) pastors so they may revitalize their congregations. This innovative financial education program combines pastor and congregational leader education with grants of up to $10,000 to qualifying pastors.

Important program update

July 6, 2020

At this time, we are only accepting new covenants for enrollment in Healthy Pastors, Healthy Congregations from communities of color. Due to the popularity of this program, and the impact on travel for our church consultants to deliver seminar material, we have suspended new enrollments (except from communities of color) as we work with currently covenanted participants.

Pastors of churches from communities of color may request the program covenant and financial commitment from Ruth Adams at

Any pastor interested in the program may complete the online education modules available through Board University and accessed via Benefits Connect.

We anticipate that a modified Healthy Pastors, Healthy Congregations will re-open at a later date yet to be determined.

If you have any questions, please reach out to Ruth Adams at

Why HPHC  |  How it works  |  Education  |  Grant awards  |  Pastor eligibility

Why Healthy Pastors, Healthy Congregations

Talking about money can be difficult for anyone, especially for Presbyterian Church (U.S.A.) congregational leaders deciding compensation for pastors. Even so, there are good reasons to have conversations about finances:

  • For pastors called to preach God's word and sustain a vital ministry, personal matters, such as financial planning, often take a back seat to serving their congregations.
  • A growing number of pastors today are carrying significant educational debt or have insufficient savings for retirement.
  • When pastors are not on solid financial footing, it can hinder their excellence in ministry and erode their personal well-being.
  • Pastoral compensation and benefits are theological as well as practical matters.

As part of our connectional Church, The Board of Pensions of the Presbyterian Church (U.S.A.) recognizes that we, as a Church, must faithfully address pastors' personal financial challenges if they are to grow and sustain their ministries and our congregations are to flourish.  

How it works

Healthy Pastors, Healthy Congregations brings a pastor and congregational leadership together to work toward financial sustainability by providing financial education and consultations to both the pastor and congregational leaders.

The success of Healthy Pastors, Healthy Congregations rests on covenants among the pastor, the congregation, and the Board of Pensions. Each party promises to take specific actions that, together, will help build a brighter financial future.


Healthy Pastors, Healthy Congregations in-person training sessions have been suspended, in line with guidance from the Centers for Disease Control and Prevention.

Healthy Pastors, Healthy Congregations offers a way to build the financial health and wholeness of PC(USA) pastors to better serve their congregations.

There are three educational components:

  1. online learning modules for the pastor, available through Board University via Benefits Connect
  2. an in-person training session for the pastor and congregational leaders, taught by a Board of Pensions Church Consultant
  3. individual financial counseling for the pastor through Ernst & Young Employee Financial Services, at no cost to participants

Learn more about these educational components. 

Grant awards

Eligible pastors who complete the education sessions receive a one-time grant of up to $10,000. The grant may be used to reduce or eliminate the pastor's educational or personal debt, or to boost personal savings in the Retirement Savings Plan of the Presbyterian Church (U.S.A.), a 403(b)(9) plan.

Grants for the Healthy Pastors, Healthy Congregations program are made possible in part because of a $1 million grant from Lilly Endowment Inc.

Learn more about the grant awards.

Pastor eligibility

To qualify, the pastor must 

  • be a PC(USA) ordained pastor serving a PC(USA) congregation;
  • be enrolled in Pastor's Participation in the Benefits Plan of the Presbyterian Church (U.S.A.);
  • have a total household adjusted gross income* of less than $121,600 (twice the median effective salary for congregational ministers);
  • have a total net worth of less than $250,000 (excluding value of home and auto); and
  • not currently be receiving Minister Educational Debt Assistance** from the Assistance Program.
*Adjusted gross income is the total income you and your spouse report on your federal tax form. It may include earnings from you and your spouse's job, self-employment, alimony income, and interest from a bank account — minus specific deductions, such as housing allowance, or adjustments, you're eligible to take.
**Qualifying pastors may participate in both Healthy Pastors, Healthy Congregations and the Minister Educational Debt Assistance program, but not concurrently within the same calendar year. You must complete one program before applying for the other, and the combined grants may not exceed $25,000.