PRACTICAL TIPS TO AFFORDING PRIVATE SCHOOL
they strongly encourage their students to participate in, including art, theater, and music programs. However, since private schools’ art programs do not receive direct funding from the state, there may be additional fees that you may not think of when registering your child for all of the above. Fortunately, state-funded programs like Alabama’s CHOOSE Act enable families to use money set aside in education savings accounts (ESAs) for various private school expenses, including arts education. Regardless, don’t underestimate the “participation tax” attached to your talented or highly involved student. Here’s some costs to consider:
incredible opportunities for students that public schools do not have the flexibility or capacity to offer. Whether it’s a short-term study abroad program, a mission trip, or the class ski trip over MLK weekend, these experiences are memorable and popular among peers. They’re often framed as “life-changing,” and while this may be true, the tagline makes it emotionally harder for families to turn down. Not to mention the class senior trip… The solution isn’t necessarily not for your student to travel—but if the financial burden is too much, try having a conversation with your teen about ways they can contribute to help cover the travel costs. SOCIAL & COMMUNITY EXPECTATIONS If you have a teen, you already know: Kids are expensive, and the price tag on their fun only seems to increase in high school. From homecoming attire to the newest iPad or laptop—even the ACT-approved calculator and lab fees add up fast. Add in uniform replacement costs and suddenly you’re looking at a very expensive Visa bill. “Keeping up” can feel exhausting, not to mention financially draining. If you’re feeling discouraged, check out these tips:
• Start early and ask questions—many schools adjust prices based on financial need or offer scholarships. • Request a full, itemized “expected annual expense guide” from the private schools you’re considering. • Calculate a “second tuition” category in your budget. • Set aside 10–30% of base tuition, depending on the school. • Discuss extracurricular priorities with your child before over-stacking commitments. • Set boundaries with your student and with yourself. (So hard, I know!) • Talk openly with the school about financial aid options for trips/fees. • Explore tax-saving options like ESAs. If you’re wondering if private education is worth it and how much it will actually cost you, you need to factor in the hidden costs that aren’t as straightforward as the website’s “tuition” sheet. Equip yourself with realistic expectations so you can make informed choices that support your budget, your student’s well-being, and your family’s values.
• Theater production fees, costumes, makeup • Muscial instrument rentals or private lessons • Debate tournament travle • Robotics or STEM team supplies • Photography or yearbook fees • AP/IB exam fees
SCHOOL TRAVEL I’m a firm believer that seeing the world and different cultures changes your world perspective. Private schools often provide
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