Record seminary debt and rising tuition costs are forcing both prospective clergy and theological schools to reconsider the price of a religious calling. More than a quarter of students graduating in 2011 with a Master of Divinity degree had more than $40,000 in theological debt and 5 percent were more than $80,000 in the red, a new study found. Many of these students discovered that not only they or their spouses had to moonlight to make ends meet, but some had to choose another job besides the ministry to pay the bills.