Tuition & Financial Aid | Christian Heritage Academy

Why consider Christian education?

At Christian Heritage Academy, we view the opportunity to invest in your child as a partnership in stewarding one of your most precious gifts. Our students are immersed in a Christ-centered learning environment with “Living Curriculum” teachers and mentors who care deeply about the whole child.

The result has been not only outstanding academic performance and college preparation but students who love God, are equipped to serve others, and make a kingdom impact with their lives. It’s a wonderful outcome of aligned priorities at home and school.

If this resonates with you, please take the text step in faith. God opens doors!

Learn more about our mission and guiding principles

Our Commitment to Affordability

While a private education can be a significant financial commitment for families, it makes an eternal impact. To help make our education accessible to as many families as possible, we offer various tuition payment options and financial assistance programs, including:

Payment Plans. Flexible payment plans help distribute tuition costs throughout the year, making it more manageable for your budgeting.
Financial Aid. We are committed to assisting families who may need financial support.
Multi-Child Discount. Families with multiple children enrolled at our school are also eligible for sibling discounts.
Employee Discounts. Generous tuition discounts are available with many of our employment packages.
Special Assistance. Additional need-based assistance may be available from the donor-supported Special Assistance Fund for extenuating circumstances, subject to available funds.

Variable Rate Tuition

Below you’ll find an overview of our tuition rates and coverage based on the 10-month payment plan, one of multiple options available. With full need-based tuition, you'll pay the lowest amount shown. If you have questions, please reach out to our Admissions Office.

Preschool - $550 – $1,110/month*

Kindergarten - $600 – $1,200/month*

Lower School (Grades 1-5) - $663 – $1,325/month*

Middle School (Grades 6-8) - $725 – $1450/month*

Upper School (Grades 9-12) - $775 – $1,550/month*

Need-Based Financial Aid

We are committed to offering financial aid to families that have demonstrated need in order for their children to attend. Such full-time students in grades K-12 may receive up to 50% off net tuition. In special circumstances, you may qualify for even more through CHA’s Special Assistance Fund, subject to available funds. If other discounts are available to a student, the maximum combination of all financial aid and discounts is up to 75% of a student’s tuition.

Apply for Financial Aid

Financial Aid Process

Any current or newly-enrolling family may apply to be considered for these funds each year. Final decisions on awards are made by the Financial Aid Committee using the following process detailed below. The Committee is committed to reviewing each request individually, within consistent and measurable objective results, and prayerfully asking for the Lord’s wisdom in each step of the process.

Frequently Asked Questions

What information does FACTS require to assess financial aid eligibility?

How does FACTS determine the amount of aid needed?

FACTS determines the needed amount of financial assistance using a computation based on a formula that is nationally accepted by independent schools. The process is outlined below.

1. FACTS CALCULATES TOTAL FAMILY RESOURCES (TFR)

Taxable income (household income, business income adjusted for non-cash expenses, capital gains/losses, retirement distributions, etc.)
Non-taxable income
Contribution from other financial assets (saving accounts, checking accounts, CDs, brokerage or equity accounts and/or mutual fund accounts, 401k and retirement accounts, and 529 plans)

Notes:
– FACTS considers some 401k and retirement assets “protected” based on the age of the older parent
– The maximum amount of contribution to tuition from non-protected assets is approximately 12%

2. FACTS CALCULATES INCOME AFTER CORE EXPENSES (IACE):

This is calculated as Total Family Resources less Core Expenses and Allocated Expenses.

Notes:
– Core Expenses are those deemed necessary for a household, such as mortgage or rent, vehicle payments and insurance, daycare/childcare, child support obligations, and health insurance premiums and medical expenses.
– Allocated Expenses are not requested on the application and are expenses that FACTS allocates to a family based on region, household size, and income. Allocated expenses ensure that families are treated fairly and “levels the playing field” to normalize such expenses for each family. This includes: food, apparel, utilities, other transportation expenses, taxes (local, state, and federal), and expenses for entertainment.

Both Core Expenses and Allocated Expenses have caps to ensure that the aid award does not subsidize lifestyle expenses. For example, any rent or mortgage payment which exceeds 28% of family income is considered a discretionary expense.
Expenses which are not Core or Allocated and are above the FACTS established caps for each category are considered discretionary and available to pay tuition. Examples may include: credit card payments, student loans, and second house payments.

3. FACTS CALCULATES THE PROPORTION OF IACE THAT MAY BE USED FOR TUITION PAYMENTS (the Tuition Contribution Factor)

FACTS understands that there are other expenses that a household has and that IACE may not be 100% available to cover tuition payments. Therefore, depending on household income, FACTS will assume a minimum of 18.5% of IACE and up to 50% may be used to pay for a student’s tuition.

4. FACTS DETERMINES WHAT A FAMILY SHOULD BE ABLE TO CONTRIBUTE TOWARD TUITION PAYMENTS

Step 1: Total Financial Resources – Core Expenses = Income After Core Expenses

Step 2: Income After Core Expenses x Tuition Contribution Factor = Household Tuition Contribution

A family’s Household Tuition Contribution is what a family should be able to contribute toward a student’s tuition at CHA or any other private school. If a student’s tuition is greater than the Household Tuition Contribution, then this is the amount FACTS would recommend for financial aid.

This figure is then passed back to CHA for consideration by the Financial Aid Committee.

How does CHA's Financial Aid Committee make the final decision, and when will notifications be given?

Is there a financial aid appeal process?

What is the financial aid timeline?

Whom should I reach out to with questions?

We chose CHA because we wanted a school that would most closely mirror the values we are striving to teach at home.
Joyce, CHA Parent