Moral stress arising from student debt is defined here as a psycho-spiritual stress response to the North American dream of achievement through individual hard work, which implicitly blames students for educational debt, exacerbating shame about aspects of their identity (their race, social class, gender, sexual orientation). A critical correlational method brings psychological research on moral stress, moral emotions, and religious struggles into dialogue with pastoral theologies of intersectionality and lived theologies of the North American dream in order to construct a compassion-based relational process of theological reflexivity fostering spiritually integrated financial resilience among students, staff, faculty, trustees, and denominational partners at theological schools.Keywords Critical correlational method . Student debt . Moral stress . Moral emotions Money is now the number one cause of stress for people in the United States, according to the American Psychological Association's annual survey on stress (Bethune 2015, p. 38). In response to the particular financial stresses facing future ministers, the Lilly Endowment invited theological schools to respond to these economic challenges, and many schools launched financial literacy programs for their students focusing on personal and organizational financial planning and budgeting.At Iliff School of Theology, Kelly Arora and I proposed a broader systemic intervention that includes all Iliff stakeholders (students, staff, faculty, trustees, and denominational partners). We wanted to go beyond financial literacy to foster what we are calling the Spiritually Integrated Financial Resiliency (SIFR) Initiative in response to the complex and systemic causes and effects of student debt on future clergy and the institutions they serve. We focused on resiliency as a realistic goal in our current economic context because of the sizable debts that our graduates will bring into religious and non-profit vocations where employment opportunities and financial remuneration are limited. For example, the average educational Pastoral Psychol