Tuition & Affordability
We understand that financing a private Jewish education can be challenging. That's why PHA, and the state of Arizona, offer real help — and no child will be turned away due to a lack of funds.
Ways to pay
Three ways families make PHA work
Arizona ESA
Arizona's Empowerment Scholarship Account program lets parents use state education funds for private school tuition and other approved expenses. Since 2022, every Arizona K–12 student is eligible to apply.
Most 2025–26 awards were roughly $7,000–$9,000 per year, according to the Arizona Department of Education.
ADE ESA programSTO scholarships
Arizona taxpayers redirect part of their state taxes to School Tuition Organizations, which award scholarships to private school students. Families can apply to — and receive awards from — several STOs.
The Jewish Tuition Organization has provided integral funding to PHA and Phoenix Jewish day schools for over twenty years.
See STOsTuition assistance
Need-based aid from PHA, awarded through one confidential application on TADS. Our Director of Financial Aid, Mrs. Heather Elias, will walk you through the process.
Apply on TADSESA or STO?
Which is right for your family?
A student can't receive ESA funds and STO scholarships for the same school year — but siblings can use different programs. Here's how they compare.
| Arizona ESA | STO scholarships | |
|---|---|---|
| Who can apply | Every Arizona student in kindergarten–12th grade | Private school students; each STO sets its own criteria (many are need-based) |
| Where the money comes from | State education funding, deposited into an account you manage | Donations from Arizona taxpayers who receive a state tax credit |
| Typical amount | Most 2025–26 awards were about $7,000–$9,000/year (ADE) | Varies by STO and family; awards from several STOs can be combined |
| Good fit for | Families who don't qualify for STO awards, and students with IEPs or METs | Families who qualify for need-based or Jewish day school scholarships |
| Combine with PHA aid? | Yes | Yes |
Not sure which to choose? Call our office at (602) 277-7479 — we'll help you decide which is best for your family, ESA or STO.
Sources: Arizona Department of Education ESA program and FY2026 Q4 ESA report; Arizona Department of Revenue. Program rules change — always confirm current details with ADE and each STO. Last reviewed October 2026.
STO scholarships
Apply to multiple STOs to maximize your awards
Each STO runs its own application. Start with the JTO, then apply broadly.
- Jewish Tuition Organization (JTO) — Scholarships specifically for Jewish day school students in the Phoenix area
- Valley Tuition Organization (VTO)
- AAA Scholarship Foundation
- Arizona Leadership Foundation
- AESOP
- APESF
- IBE Scholarships
- Arizona School Choice Trust
- Arizona Tuition Connection
How to build your plan
Apply for admission
Start your PHA application on TADS.
Request PHA aid
Complete the confidential TADS financial aid application.
Choose ESA or STOs
Apply for ESA, or to the JTO and other STOs.
Meet with us
We'll put it all together into one clear family plan.
2027–28 tuition
Get the Tuition & Affordability Guide
Our guide includes tuition for every grade, fees, payment options and a step-by-step walkthrough of ESA, STO and PHA tuition assistance.
| Program | 2027–28 tuition |
|---|---|
| Early Childhood (2s, 3s, Pre-K) | See guide |
| Kindergarten | See guide |
| Grades 1–5 | See guide |
| Grades 6–8 | See guide |
Email me the guide
It's on its way, .
Check your inbox for the 2027–28 Tuition & Affordability Guide. Questions? Call (602) 277-7479.
Affordability FAQ
Common questions
Is the financial aid process confidential?
Yes. Financial information is submitted securely through TADS and reviewed privately by our financial aid team.
Can my child use ESA and an STO scholarship at the same time?
Not for the same school year. A student may use ESA or STO scholarships, but not both at once. Siblings may use different programs. We'll help you compare.
Is ESA available for preschool?
ESA is generally for kindergarten through 12th grade. Ask us about options for our Early Childhood program.
Can grandparents and friends help?
Yes! Any Arizona taxpayer can donate to an STO such as the JTO and claim a dollar-for-dollar state tax credit. Learn about the Arizona tax credit.