Using ESAs to Pay for Your Homeschool Curriculum

Using ESAs to Pay for Your Homeschool Curriculum

Education Savings Accounts are transforming the way families homeschool. Parents in ESA-supported states can use state-allocated funds to purchase high-quality curriculum, including ShillerLearning's Montessori-inspired math and language arts kits. ESA programs vary widely: some states use ClassWallet, others use Odyssey, and each has its own rules, approved vendors, and application process. This guide gives you a clear, parent-friendly overview so you can confidently navigate your state's program.

Important: This article is for general information only. It is not legal, tax, or accounting advice. Always check with your ESA program or a qualified professional before taking action.
What the research says about school choice, Montessori, and learning outcomes: Education Savings Accounts represent one of the most significant expansions of school choice in American history. Research on school choice and academic outcomes (Forster, 2016, A Win-Win Solution: The Empirical Evidence on School Choice) reviewed 100 studies and found that school choice programs produced positive effects on academic achievement in the vast majority of cases, with the strongest gains among students from lower-income families. A 2019 study in Journal of School Choice found that families who used ESA funds for Montessori-aligned, hands-on curriculum reported significantly higher satisfaction, stronger academic progress, and greater child engagement than those using conventional textbook programs. Montessori's emphasis on individualized pacing, hands-on materials, and intrinsic motivation aligns directly with what ESA programs are designed to enable: a curriculum chosen for the specific child, not the average child.

What ESAs Are and Why Homeschoolers Value Them

An ESA is a state-funded education account that lets families choose the curriculum and services that best fit their child. It functions as a customizable education budget that parents control directly.

Depending on the state, ESA funds can typically be used for:

  • Curriculum, including ShillerLearning kits
  • Instructional materials
  • Educational software
  • Tutoring or therapy
  • Assessments
  • Some enrichment programs

The key requirement is that purchases must be instructional, not general household or school supplies.

ESA Platforms: ClassWallet and Odyssey

Most ESA states use one of two platforms to manage funds.

ClassWallet

ClassWallet acts as a secure purchasing hub. Families can shop approved vendors directly or submit receipts for reimbursement. States using ClassWallet for ESA programs include:

State Program Name Application Link
Arizona Empowerment Scholarship Account (ESA) azed.gov/esa
Florida Family Empowerment Scholarship stepupforstudents.org
Indiana Education Scholarship Account in.gov/doe/students
Mississippi ESA Program mdek12.org/OSE/ESA
New Hampshire Education Freedom Accounts education.nh.gov
North Carolina Personal Education Student Accounts (PESA) ncseaa.edu/k12
Tennessee ESA Program tn.gov/education/esa
West Virginia Hope Scholarship hopescholarshipwv.com

Some states use ClassWallet only for reimbursements; others use it for direct purchasing. ShillerLearning is both a Direct Pay and Marketplace vendor in most states.

Odyssey

Odyssey is a newer ESA marketplace platform where families shop from approved vendors inside a curated catalog. States using Odyssey include:

State Program Name Application Link
Iowa Students First ESA educateiowa.gov
Kansas Kansas Education Enrichment Program (KEEP) keep.ks.gov
Ohio ACE (Afterschool Child Enrichment) education.ohio.gov/OhioACE
Oklahoma Parental Choice Tax Credit ok.gov/tax
Utah Utah Fits All Scholarship ufascholarship.com

Odyssey programs vary: some are full ESAs, others are enrichment-only. ShillerLearning is an Odyssey vendor.

Using ESA Funds for ShillerLearning Curriculum

Most ESA programs allow families to purchase complete curriculum kits, individual components, and required hands-on materials.

ShillerLearning Math and Language Arts Kits are typically approved because they are instructional, standards-aligned, hands-on, and comprehensive. Families also commonly use ESA funds for replacement manipulatives, lesson books, digital add-ons, and consumable workbooks.

When a ShillerLearning lesson calls for a specific manipulative such as number tiles, fraction circles, or rhythm instruments, ESA programs generally consider these instructional materials. Think of the curriculum as the recipe and the manipulatives as the ingredients: ESA funds help you purchase both.

Real-World ESA Homeschool Examples

The Montessori-Inspired Family (Arizona, ClassWallet)

  • ShillerLearning Math Kit I
  • Replacement manipulatives
  • A supplemental online math program

The Neurodiverse Learner (Florida, ClassWallet)

  • ShillerLearning Language Arts Kit
  • A dyslexia-focused reading tutor
  • A handwriting program

The STEM-Focused Middle Schooler (Utah, Odyssey)

  • A science lab kit
  • A microscope
  • ShillerLearning geometry manipulatives

Tips for Using ESA Funds Smoothly

  • Check your state's approved vendor list before purchasing.
  • Keep receipts and curriculum descriptions on file; they are essential for reimbursements.
  • Buy durable, reusable materials to stretch your ESA dollars further.
  • Plan your year in advance so you know when to request funds or submit receipts.

ESAs give homeschool families the freedom to choose high-quality, hands-on curriculum that truly supports their child's learning. Whether your state uses ClassWallet or Odyssey, the goal is the same: empowering parents to build the education their children deserve.


ShillerLearning Curriculum Available Through ESA Programs

Math Kit I

Math Kit I
Pre-K to 3rd Grade

View Kit
Language Arts Kit A

Language Arts Kit A
Pre-K to 1st Grade

View Kit

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