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How To Pay For Boarding School
Paying for boarding school is a significant financial commitment, but families have more options than ever before. This article offers a comprehensive overview of the many ways to finance a boarding school education, including direct payments, tuition payment plans, financial aid, scholarships, loans, vouchers, and tax credit programs. With practical advice and real-world insights, it’s an essential guide for parents navigating the costs and opportunities of independent school life.

How To Pay For Boarding School

I remember wondering years ago how we were going to pay for our daughters' private school educations.

  • It was a major expense then. Back then, in the 90s, boarding school cost $11,000 a year.
  • It is still a major expense today.

Because paying for boarding school involves a major part of our income, let's look at the available options. You can pay for boarding school in several ways.

1. By check

Fees at most schools are payable in advance.

  • You will receive an invoice with your acceptance letter.
  • Half a year's tuition and other fees are due in the summer, usually in July or early August. The second half of the year's tuition, together with other fees, is due in December.
  • Payment dates vary from school to school, but most expect payment around these times of the year.

If you have your child's boarding school expenses allocated already or have sufficient income to cover two substantial payments a year, then paying by check might make sense for you.

  1. Effectively, you are paying cash for your child's education.
  2. Should you expect a cash discount? It never hurts to ask.

Don't forget to budget for the other fees besides tuition.

  • Your tuition invoices will not include items such as tuition insurance, fees for supplies used in special courses, textbooks, and supplies as well as your child's athletic equipment.
  • Boarding your daughter's horse
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How Private Schools Evolved in the United States

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How Private Schools Evolved in the United States
Private schools came first. Then public education took root.

From the 1600s to the 1800s there was no such thing as public education. The 12 years of grade school through high school we are accustomed to in the 20th-century did not exist. Small private schools, not public schools, provided schooling for young people.

The Bible was the focus of learning in colonial times. Most lessons were practical ones learned in the home and in the fields. Robert Peterson's article Education in Colonial America explains how education worked back then.

Colonial education

Education in colonial days was quite stratified. Boys learned core subjects such as reading and math. Girls learned the domestic arts. Only white children received an education until slavery was abolished. Teachers were frequently well-intentioned men who themselves did not have much formal education. Yes, back then, most teachers were men. Colonial Era Education in the United States in K12 Academics offers a detailed look at schools in the late 17th and early 18th-centuries. Once again, it is important to note that there were no public schools or compulsory education in colonial America. Schools sprouted up where there was a need for them in the population centers of the day such as Boston and Philadelphia. Otherwise, education took place in the home.

This video offers an overview of education in colonial America.

Religious schools

Religious missionaries of the Roman Catholic Church established the first private schools

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Boarding Schools in a Minute

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Boarding Schools in a Minute
Boarding Schools in a Minute gives an overview of independent residential schools in North America.

Boarding Schools in a Minute gives an overview of independent residential schools in North America. There is much more to boarding schools than these brief headlines convey. Hopefully, these bullets will encourage you to explore this very special education option in depth.

95% of these boarding schools are high schools serving grades 9 through 12, with many schools offering a Post-Graduate Year or Grade 13. A handful of junior boarding schools serve grades 6-9.

Most boarding schools operate within a traditional school year of September through May. A few schools begin their year in August. A couple ends their school year in June. One school only operates during the summer session.

In 2023, there were approximately 450 boarding schools. Tuition at these schools ranges from free to well over $60,000 annually. Boarding schools come in many shapes and sizes. Some are small, with 125 or so students in grades 10 through 12. Others are large, with over 1200 students in grades 9 through 12. Most fall into what is best described as a medium-sized school with a population of 350-450 students.

Many boarding schools are non-sectarian, i.e., they adhere to no particular religious denomination's teachings and views. What they offer instead is an amalgam of mainline religious thought and philosophy. Other schools follow the teachings and beliefs of a particular religion. For example, Jesuit boarding schools adhere to the teachings of

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The Boarding School Application Process

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The Boarding School Application Process
This article outlines the various methods of applying to boarding schools, including individual school websites, common applications, and paper forms. It provides tips for completing applications, emphasizing the importance of starting early and paying attention to details like teacher recommendations and transcripts.

Back in the 80s, when our daughters applied to boarding schools, the process was entirely paper-driven. The schools sent us thick envelopes full of forms we had to complete. Then, we mailed the completed applications to the schools. Thirty-five years later, I am happy to report that most schools' application processes have gone digital. That makes things so much easier.

These days, there are essentially four ways to apply to boarding schools:

1. Complete the application forms which the school has on its website.
2. Complete the common application, which you can find on the SSAT website.
3. Complete the common application, which you can find on the TABS website.
4. Complete the paper application forms you downloaded or received from the school.

Applications on Individual School Websites

If you are applying to just one or two schools, then it might make the most sense to simply go to those schools' websites and complete the applications right there. Many schools allow you to complete the main application form online. You will still have to download teacher recommendation forms and requests for school transcripts, as well as address and put stamps on the envelopes required.

You can also pay the application fee online with your credit or debit card. But, if you choose to use the school's application forms, remember those are specific to that school. They cannot be used for applications to other schools. That's the fundamental difference between applying on a school website versus using one of the typical applications.

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5 More Schools and Their Founders

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5 More Schools and Their Founders
A private school in its infancy is quite different from the mature community it becomes over time. I wonder what the founders of these five schools would think about them today. I bet they would be very proud of their creations.

It is fascinating to delve into the beginnings of a private school. It's when the school is so malleable and strongly influenced by its founder's zeal and lofty goals. The community is tiny compared to what it will morph into over the years, indeed over the centuries, in some cases. The hardships and sacrifices that are endured are almost unimaginable in this day and age. when new schools seem to pop out of a delivery box that is fully funded and all set to go.

I hope you will explore these five schools against the backdrop I have set out above. They are unique, as private schools always are. They have great personalities, characters, and rich histories. Yet they share a common theme and purpose: to provide their students the best well-rounded education so that their graduates can make a difference in today's world.

Annie Wright School, Tacoma, Washington

  • Founded in 1881
  • Number of students: 436
  • Grades PK-12: Boys and girls day school PK-8.
  • Girls boarding and day: 9-12
  • Religious Affiliation: Nonsectarian
  • Setting: Urban

Overview: The school was established by an Episcopal bishop. James Paddock with the financial support of businessman Charles Wright. Bishop Paddock named the school in honor of Wright's daughter, Annie. The school was a girls' school until the earthquake of 1949 damaged Lowell School, the local boys' school. AWS set up temporary quarters for boys. The coeducational program expanded to 8th grade in the 1970s.

AWS offers challenging academics, evidenced by

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