Education Savings Accounts (ESAs) enable parents to withdraw their children from public, private, or charter schools and receive a deposit of public funds into government-authorized savings accounts or a refundable tax credit depending on the state that you live in.
If you are using ESA funds for your curriculum purchase, you can now buy Apologia curriculum through the programs listed below. Select your state to learn more.
The Creating Hope and Opportunity for Our Students’ Education Act of 2024 (The CHOOSE Act) is administered by the Alabama Department of Revenue (ALDOR). The CHOOSE Act of Alabama makes refundable income tax credits called education savings accounts (ESAs) available to support the success of eligible K-12 students in Alabama. An ESA can be used to pay for tuition, fees, and other qualified education expenses at approved Education Service Providers (ESPs) in Alabama. The ESA is for $2,000 per participating student who is participating in a home education program (maximum of $4,000 per family) and administered through ClassWallet.
Learn MoreThe Arizona Empowerment Scholarship Account (ESA) provides funds to cover multiple education expenses such as private school tuition, curricula, educational supplies, tutoring, and more. The program is offered through a contract between ClassWallet and the Arizona Department of Education.
Learn MoreThe Education Freedom Account (EFA) program of Arkansas is administered by ClassWallet. Beginning with the 2025-2026 school year, all Arkansas students will be eligible to participate in the EFA program. This expansion will provide even more families with access to a growing range of educational options.
Learn MoreStep Up for Students empowers Florida students with personalized education scholarships. Apologia is a listed vendor for the ESA Personalized Education Program (PEP), FES-Unique Abilities Scholarship, and the New Worlds Scholarship in both MyScholarShop and EMA.
*Please note that funds for Apologia Live Classes can be reserved through the EMA platform. Live classes purchased outside of the EMA portal are not guaranteed to be reimbursed.
Learn MoreSigned into law in 2024, through Senate Bill 233, the Georgia Promise Scholarship Program is aimed to empower families to pursue exceptional educational programs through nonpublic schooling, including private school and home study. Should eligible families choose to leave public school (or forgo attending as a new kindergartener) to participate, the Georgia Promise Scholarship will allow families to use funds for private school tuition and fees, required textbooks, tutoring services, curriculum, physician/therapist services, transportation services, and other approved expenses. This program is administered through Odyssey.
Learn MoreThe Idaho Empowering Parents program provides eligible families with grant funds for use towards eligible education services and devices to help students recover from learning loss. Eligible students are Idaho students in Kindergarten ages 5-18, regardless of whether they attend a public school, private school, or are homeschooled. The program is offered though a contract between ClassWallet and the Idaho Empowering Parents program.
Learn MoreThe Louisiana Giving All True Opportunity to Rise (LA GATOR) Scholarship Program, created by Act 1 of the 2024 Louisiana Legislature and signed into law by Governor Jeff Landry, provides eligible families with education scholarship accounts (ESAs). These accounts allow families to personalize their child’s education using state-funded accounts for school tuition and fees, tutoring, educational therapies, textbooks and curricula, dual enrollment courses, and uniforms.
Learn MoreThe New Hampshire Education Freedom Accounts (EFA) program was created by the State of New Hampshire to help expand educational opportunities for New Hampshire children. Eligible New Hampshire families can use funding to pay for tuition at the school of their choice, tutoring, online learning programs, educational supplies, and other educational expenses. The program is offered though a contract between ClassWallet and the New Hampshire Department of Education.
Learn MoreNorth Carolina’s Education Student Accounts (ESA+) program is available to meet the needs of students with disabilities. Funds may be used to pay tuition and fees for eligible private schools, and for expenses such as speech therapy, tutoring services, and educational technology. The program is offered though a contract between ClassWallet and the North Carolina State Education Assistance Authority.
Learn MoreThe Education Scholarship Trust Fund (ESTF) program provides $6,000 scholarships to qualifying South Carolina students. The South Carolina Department of Education administers the ESTF and has contracted with ClassWallet for programmatic support and to manage the distribution of scholarship funds to participating families.
Learn MoreThe Texas Education Freedom Account (TEFA) program helps eligible Texas families use state-funded education dollars for approved educational expenses, including homeschool curriculum.
Learn MoreUtah Fits All is a universal school choice scholarship program signed into law in 2023! All K-12 students who are residents of Utah qualify to receive the full amount of $8000, whether they currently attend public, private, homeschool, or are just starting kindergarten. The program is offered through ACE Scholarships, selected by the Utah State Board of Education and administered through Odyssey.
Learn MoreThe West Virginia Hope Scholarship program offers qualifying West Virginia’s K-12 students an opportunity to build an individual learning experience that works best for their child. The scholarship allows K-12 students to receive financial assistance that can be used for tuition, homeschool curriculum, and other qualifying expenses. The hope scholarship is facilitated by TheoPay.
Learn MoreThe Wyoming ESA program ensures that each participating student has access to resources that enhance their educational opportunities. By allowing parents to choose from a broad spectrum of Education Service Providers (ESP), the program can help create a customized learning path to support your child’s academic growth and well-being, from pre-kindergarten through grade 12. Approved ESA students will receive $7,000 annually towards qualifying expenses. The program is administered through Odyssey.
Learn MoreIf you’ve been researching ways to fund your homeschool, you’ve probably run into both of these. They sound similar, but they work pretty differently, and knowing which one fits your situation can save you a lot of headaches.
A 529 plan, or Qualified Tuition Program (QTP), is a state-sponsored savings account designed to help families set aside money for education costs. You contribute after-tax dollars, the money grows tax-free, and you can withdraw it tax-free when you use it for qualified educational expenses. Thanks to the Tax Cuts and Jobs Act of 2017 and Big Beautiful Bill, homeschool families can now withdraw up to $20,000 per year without penalty from a 529 to cover K-12 expenses, including curriculum, tutoring, and certain school supplies. Every state offers at least one 529 plan, and you’re not limited to your own state’s plan.
In short: a 529 gives you higher contribution limits and more states to choose from; an ESA offers broader spending flexibility for homeschoolers. Many families use both.
Whether homeschooling expenses qualify for ESA funds depends on the state and the rules of the specific education savings program. In many cases, eligible K-12 education expenses may include items used for homeschooling, but families should confirm which expenses are approved under their state’s guidelines and with their plan administrator.
At the federal level, there is no tax deduction specifically for homeschool expenses. The Educator Expense Deduction that classroom teachers use does not apply to homeschooling parents, even if you’re spending just as much (or more) on your kids’ education.
A few routes may still help, depending on your situation.
Look into state-level deductions and credits. A handful of states offer deductions or credits for homeschool expenses. Illinois, Indiana, Louisiana, Minnesota, and Ohio, among others, have offered some form of education-related tax benefit that can apply to homeschoolers. The rules vary by state, so looking up your state’s department of revenue website is the best first step.
If you run a home-based business, some educational materials that directly support your work may qualify as a business expense, but this is a narrow situation and worth discussing with a tax professional before claiming it.
Federal write-offs for homeschool supplies are not available right now, but state-level benefits and tax-advantaged savings accounts can still make a difference. A CPA familiar with homeschool families can help you find every legitimate benefit available in your state.
