Pursuing a clerical career in their 40s and 50s can be a dream come true for many women and men, a chance to follow what they consider God’s call and do meaningful work in their later years. But the realities of a shrinking clergy labor market, and seminary tuition costs outpacing inflation, leave some facing debts of $80,000 or more trying to find work in a relatively low-paying profession, researchers state. The burden is falling particularly hard on prospective minority clergy with the fewest resources.