How to Afford Private School: Real Tips for Middle‑Class Families
Private school tuition can feel out of reach for middle-class families—especially with rising costs and competing financial priorities like housing, healthcare, and college savings. But affording private education isn’t just for the ultra-wealthy. With planning, resourcefulness, and awareness of available support, many families successfully enroll their children in private or boarding schools without compromising their long-term stability.
This guide shares real-world tips and strategies to help middle-income families bridge the affordability gap and access the benefits of private education.
Understand What You’re Really Paying For
Start by knowing what tuition does and does not cover. Some schools include books, technology fees, meals, and extracurriculars in the base cost; others bill these separately. Ask for a comprehensive breakdown of tuition and additional expenses so you can compare schools and budget accurately.
And remember: the listed tuition isn’t always what most families end up paying. Learn to assess the true cost of private school beyond sticker price—this goes beyond tuition to include incidental fees and hidden expenses (such as books, technology, trips, and activities).
Consider reading Navigating Private School Finances: A Parent’s Guide to get an in-depth look at what tuition covers and how costs are calculated.
Take Advantage of Financial Aid
Financial aid isn’t reserved for low-income families—many middle-class households qualify too. Schools typically require income statements, tax returns, and a third-party assessment (like SSS or FACTS). Aid programs often operate on