Scholarship eligibility checker (§25F income & 300% AMI)
See whether your family is likely eligible for a §25F scholarship. The federal rule covers households at or below 300% of your area's median gross income, plus categorical eligibility for families already in needs-based programs.
1. Categorical eligibility, check any that apply:
2. Income test, the ceiling is 300% of your area's median gross income, adjusted for household size:
Your county's HUD area median family income (4-person). We adjust it for your household size.
Guidance only. 300% of AMI is area-specific; we use the HUD household-size adjustment factors applied to the 4-person median you enter. The SGO you apply through makes the official determination and may add priorities (siblings, prior recipients, special needs). Final rules are pending from Treasury.
How this works
- First, check categorical eligibility: a foster child, or a household already receiving a needs-based benefit (SNAP, Medicaid, TANF, free/reduced-price lunch), is generally treated as income-eligible.
- Otherwise, the income test is 300% of your AREA's median gross income (AMGI), which depends on your county and household size, not a single national number.
- Enter your area's median income (we link to the HUD lookup) and household income, and we compute the 300% ceiling and compare.
- Final eligibility is determined by the SGO and the forthcoming Treasury rules, treat this as guidance, not a guarantee.
Questions, answered
What income counts as eligible?
The statute sets the ceiling at 300% of area median gross income, an area-specific figure that varies by county and household size. A family receiving a needs-based federal/state benefit (SNAP, Medicaid, TANF, free/reduced lunch) is generally categorically eligible, and foster children are treated as eligible without a separate income test.
Why do I have to enter my area's median income?
Because there is no single national threshold, 300% of AMI in a high-cost metro is far higher than in a rural county. We don't guess your county's number; instead we let you enter the official HUD area median (we link to the lookup) so the result reflects where you actually live.
Is this an official eligibility determination?
No. It's a planning estimate based on the statute and Treasury's previewed rules. The SGO you apply through makes the actual determination and may apply additional priorities (siblings, prior recipients, special needs).
Learn more
- Scholarship eligibilityWhich K-12 students qualify for EFTC scholarships, the income limits, what schools and educational expenses are covered, and how families apply through a Scholarship Granting Organization (SGO).
- EFTC for homeschool & microschoolHow homeschoolers, microschool families, learning pods, and hybrid-school families can use EFTC scholarships, what expenses qualify, and how to find an SGO that supports your educational model.
- EFTC for special-needs familiesHow families of K-12 students with disabilities can use EFTC scholarships to fund therapies, specialized instruction, evaluations, and assistive technology, plus how SGOs prioritize special-education needs.
- EFTC for private & faith-based schoolsHow private, religious, and independent K-12 schools can benefit from the Education Freedom Tax Credit (EFTC / ECCA / §25F): how scholarship dollars reach your school through SGOs, what families need to qualify, and how to prepare for the January 2027 launch.
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