Christian Heritage Academy is 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 40% off net tuition. In special circumstances, you may qualify for even more through CHA’s Special Assistance Fund, subject to available funds. 
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. 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.


Financial aid awarded in 2022-23


Portion of the student body who received financial aid


Opportunity for total tuition covered by financial aid


Invest in Kids scholarships awarded to CHA students

Financial Aid Process


The CHA Board of Directors determines the overall level of financial aid available each year. The Board establishes a Financial Aid Committee to oversee the disbursement process.


Families who wish to be considered for financial aid must apply with a Grant & Aid Assessment through FACTS, an independent, third-party company that does the financial analysis to assist CHA in determining a family’s financial assistance need and reasonable tuition contribution. FACTS will require documentation such as federal tax forms, W-2s, taxable and nontaxable income reports, and other information such as retirement assets, 529 balances, and other available financial assets. Application fee – $35


The Financial Aid Committee reviews financial information for each applicant on an anonymous basis in conjunction with the recommended aid award calculated by FACTS. The Financial Aid Committee then ensures that the recommended aid is awarded consistently and equitably to those with demonstrated need, and in accordance with the amount of aid funds available.


Families applying for aid will receive an official decision from the Financial Aid Committee and have two weeks to accept the award. Once awarded, as a condition of receiving the aid for the coming school year, all prior financial obligations to CHA must be satisfied.

Financial Aid Timeline

  • Beginning in Fall, families apply (or re-enroll) to CHA for the following school year.
  • Beginning in early November, families submit their financial aid application directly through FACTS for the following school year. FACTS will verify the applicant information against supporting documentation which may take up to 14 business days.
  • CHA’s Financial Aid Committee will receive a report from FACTS after each application has been received and verified. The committee’s decision will take place only after enrollment (or re-enrollment) is complete.
  • CHA will begin awarding applications in early March on a first-come, first-served basis, with priority given to re-enrolling families.
  • Families who do not receive financial aid will receive notification from the Financial Aid Committee. In unusual circumstances, families may be able to appeal the decision. See Financial Aid Appeal Process.
  • Families who receive financial aid have two weeks to confirm acceptance of the award. Acceptance after this deadline will be dependent only on funds available.


If you have questions, please click the appropriate link below.

How FACTS Determines the Amount of Aid

FACTS determines the needed amount of financial assistance by 1) determining Total Family Resources, 2) determining Income After Core Expenses, and 3) determining how much a family should be able to contribute toward tuition given household size and calculated discretionary income given Income After Core Expenses. The computation is based on a formula nationally accepted by independent schools.

Total Family Resources: 

  • 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, 529 plans, brokerage accounts, mutual fund accounts, CDs, and potentially retirement assets). FACTS does not consider all financial resources available to pay tuition. Only a certain proportion of financial assets is considered to pay tuition based on the age of the oldest applicant. 

Income After Core Expenses: 

This is calculated as Total Family Resources less Core Expenses. Core Expenses are based on actual expenses (mortgage/rent, utilities, groceries, auto payments, insurance, daycare, medical, college tuition, other debt payments, etc.) adjusted for a common standard of living to the local area.

Financial Aid Appeal Process

We understand that sometimes unexpected circumstances arise that make the information reported on the financial aid application an incomplete reflection of a family’s current financial situation. In these circumstances (such as job loss, death, severe illness, etc.), families may be able to request an appeal for the CHA Financial Aid Committee to re-evaluate the award.

If you have an unusual circumstance of this nature and would like to be considered for additional aid, please follow the steps below.

  1. Contact CHA’s Financial Aid Committee. If, after viewing the financial aid decision, you feel that your circumstances prevent CHA from being an affordable option, contact the Financial Aid Committee. You must contact the committee within two weeks of the initial aid decision to be considered for an appeal. For questions about the financial aid appeal process, please contact the Coordinator of Financial Services.
  2. Provide requested documentation. The Financial Aid Committee will determine what documentation will be necessary to process the appeal. This may include items such as projected income forms or medical bills.
  3. Await a decision. After receiving the requested information, the Financial Aid Committee will review the information provided and will make the final decision. You will be given an approximate timeline of when you can expect to receive the decision. Please note that the decision will be contingent upon financial aid funds available.