We believe every child deserves a transformative, Christ-centered education. We view tuition not simply as a cost, but as a lifelong investment in your child’s faith, character, and academic success.
We are committed to helping families make a Harding education a reality. Through a combination of state programs, community partnerships, and internal tuition assistance, over 40% of our families receive financial support.
Explore the pathways below to see how a Harding education can be financially feasible for your family.
Tennessee State Funding Programs
Tennessee offers state-funded programs designed to give families greater choice in their child’s education. Harding Academy is an approved participating school for state funding opportunities.
Tennessee Education Savings Account (ESA) Program
The ESA program allows eligible K–12 students in Shelby County to use state education funds toward tuition and approved educational expenses at participating private schools like Harding.
Who qualifies: Students currently attending a public school (or entering kindergarten) whose families meet income eligibility guidelines set by the state.
Tennessee Education Freedom Scholarship (EFS) Program
Tennessee’s Education Freedom Scholarship Act provides state-funded scholarships to families across Tennessee regardless of income or zip code.
Who qualifies: Tennessee residents entering eligible grades, prioritized by financial need and current public school enrollment during initial rollout phases.
Memphis Opportunity Scholarship Trust (MOST) is a local non-profit organization dedicated to offering need-based scholarships to Mid-South families so their children can attend qualifying private schools like Harding Academy.
Who qualifies: Income-eligible families with children entering grades Pre-K through 12th grade.
Learn More & Apply: Visit the MOST Scholarship Website to view income eligibility charts and application windows.
Additional Scholarships
For information about additional third-party scholarships, please contact the admissions office.
Harding Needs-Based Tuition Assistance
In addition to state and community funding, Harding Academy directly awards needs-based tuition assistance to qualifying families each year. We partner with an independent third party to ensure that every evaluation is fair, confidential, and objective.
How it works: Assistance is evaluated annually based on a family’s overall financial profile (income, assets, family size, and expenses).
Who should apply: Any family who believes their household budget falls short of full tuition costs.
How to Apply: Complete our confidential online financial assistance application here.
How These Opportunities Work Together
Our Admissions and Financial Assistance team works closely with every family to layer available resources. In some cases, families combine state funding (ESA/EFS) or community scholarships (MOST) with Harding tuition assistance to make out-of-pocket costs manageable.
Have Questions? We’re Here to Help!
Navigating tuition assistance shouldn’t be stressful. Whether you are wondering which programs your family qualifies for or need help with an application, our team is ready to walk with you every step of the way.
Anne Nowlin Director of Enrollment and Advancement (901) 767-4494 Email
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