Tuition and Financial Aid

Berman Hebrew Academy is committed to providing an excellent Jewish and secular education to each of its students regardless of their family’s ability to pay tuition. At the same time, we must maintain a sound financial footing by implementing fair, consistent, and sustainable tuition aid policies. Thus, the Board created an independent Financial Aid Committee charged with determining appropriate financial aid awards while balancing the tension inherent in this process in a manner that is respectful, cooperative, and as transparent as possible.

Berman uses an industry standard financial aid tool (known as TADS) to collect financial information from families seeking aid, analyze that information based on objective, automated standards, and provide an aid recommendation. TADS’ recommendations are typically accepted by the school and passed along to aid applicants as the final decision. The TADS system bases its calculations on family income, select expenses, and assets.

Only children in grades K-12^th are eligible for financial aid.

Below, please find the Financial Aid Committee’s 2026-2027 academic school year financial aid process, including a summary of factors that affect financial aid award decisions determination, and the schedule of the process.

Key Factors That Will Affect Your Financial Aid Decision

1. INCOME: All personal and business income for 2024
2. INCOME: Income will be assigned for a spouse who chooses not to seek paid employment unless a child under 2 or special needs child is cared for full time at home. The assigned income is computed as follows: $15.00 X 20 hours/week X 50 weeks/year which equals $15,000.
3. ASSETS: Assets of all types, including any ownership interest in any S corporation, partnership or LLC, or a controlling interest in a C corporation, must be disclosed and are included in the calculation that determines a family’s ability to pay tuition. Note: TADS calculations exclude an age-related amount of assets to be set aside for retirement.
4. CREDITED EXPENSES: TADS uses an industry standard for basic living expenses, adjusted to reflect regional expense levels and the costs of keeping Kosher.
5. CREDITED EXPENSES: When both spouses are employed outside the home, actual professional daycare expenses up to $15,000/year for child under 2 years old or a child under 5 with special needs will be eligible for entry into the TADS application. Summer day camp actual expense up to $2,000 per child 14 and under is allowed.
6. CREDITED EXTRAORDINARY EXPENSES: If you believe you are experiencing extraordinary expenses as defined by Berman policy that should be considered in determining your financial aid, please file an appeal after you have received your TADS-based financial aid decision.
7. EXPENSES NOT CREDITED: TADS calculations do not consider post-high school education costs including study in Israel. Child-care for children over the age of 2 except as noted in item #5 above.
8. EXPENSES NOT CREDITED: While TADS asks for information on personal debt—including credit card debt, student loans, auto loans, and attorneys’ fees—debt is not considered by Berman.
9. DIVORCED PARENTS: Two complete financial aid applications—one per parent—are required for divorced parents seeking financial aid, and a copy of the custody agreement must also be provided. Parents are to include alimony and child support both paid and received.
10. APPLICATION PACKAGE: To be considered for financial aid, a 100% complete application package must be submitted to TADS by December 31, 2025.
11. Families receiving financial aid must notify the Berman Finance Office if other private schools on the TADS application have provided financial aid and whenever family income changes (up or down) in excess of $5000.

Families often wonder if they will qualify for Financial Aid. Many are surprised that almost a third of our students receive tuition assistance. Please refer to the table below as a general guide.

*Significant assets will also affect your likelihood of aid

Special Instructions

As noted above, Berman uses TADS financial aid processing service. Because TADS offers a generic financial aid processing model, we are providing specific instructions below so that your TADS submission complies with the school’s financial aid procedures and policies. Please carefully follow the financial aid application process instructions as well as the details provided below so that the processing of your application will not be delayed.

Please print out and refer to these Instructions when filling out the TADS Financial Aid Form. Adhering to these special instructions will ensure that the processing of your application will not be delayed. Unfortunately, TADS is unable to program these instructions directly into the financial aid application.

• Review the Key Factors listed above for detailed information about credited and not credited income and expenses.
• Section 7. List all Jobs– If one spouse chooses not to seek paid employment and the family does NOT have a child under 2 or a child with special needs who is cared for full time at home, enter $15,000 as imputed income for that spouse.
• Section 9. Student Income–ENTER ZERO for student income
• Section 12. Miscellaneous Debt– ENTER ZERO for debt
• Under section 12. Other Assets and Debts, be aware that the following two questions are asking for different information:
  • 12a. “Total value of parent/guardian checking and savings accounts” is exactly as it sounds.
  • 12b. “Enter the total net value of all your investments” is referring to INVESTMENT ACCOUNTS that you can withdraw from, such as stocks, bonds, index funds, ETFs, money market funds, etc. This number should NOT include your checking and savings accounts reported under 12a.
• Also under section 12, three questions under “Retirement Plans” are also asking for different information and can be confusing. You are asked for total value of two different types of retirement plans, and total annual contributions to both of them. We have highlighted the differences below:
  • 12d. Enter the total value of company managed retirement plans, including pensions, 401k, 403b or SEP plans.
  • 12e. Enter the total value of any self-managed retirement plans including IRAs.” This is referring to TAX-DEFERRED IRA ACCOUNTS of all types. 
  • 12f. Enter the total annual household contribution for all retirement savings plans including, IRAs, pensions, 401ks, 403bs, and SEPs.
• Section 13. Educational Expenses – In the question asking “How much money are you contributing from your own earnings and assets (including loans)?” for each child, we are asking you to tell us what you believe you can afford to pay for each of your children at Berman.
• Section 14. Additional Expenses
  • Day Care/Elder Care– Summer day camp actual expense up to $2,000 per child 14 and under is allowed.
  • Enter zero for 14p additional expenses.  If you have extraordinary expenses as defined by Berman policy, contact the Berman Finance Office about submitting an appeal

Financial Aid Committee Chairperson

Mr. Stuart Rosenthal is the Chair of the Financial Aid Committee.

We have complete confidentiality between the Finance Office and Financial Aid Committee, which review the applications and award the grants, and the school’s educational administrative team and the Board of Directors.

In order to ensure this privacy, the only school contact for financial aid matters is Linda Kaiser, who can be reached at kaiserl@mjbha.org and serves as the Financial Aid Liaison.

Apply Today

If you have any questions about the filing deadline, please email them to Linda Kaiser at kaiserl@mjbha.org. We are happy to help you through this process.

2025-26 Tuition Base Fees

Click here for a complete tuition worksheet. 

2026-2027 tuition base fees will be determined in early 2026.