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ESA for homeschoolers: which states pay and how it works

Education savings accounts (ESAs) put state money in a family's account to spend on approved education costs, and in some states that includes homeschool curriculum. Only nine states currently let an ordinary homeschool family use one. Here is who qualifies, how much, and what to watch for.

Checked September 2026 against each state's official pages. ESA rules, amounts and deadlines change quickly, so confirm on the official page before you apply.

The nine states that work for homeschoolers

State	Program	Amount for homeschoolers	Spent through
Alabama	CHOOSE Act Alabama	$2,000 per homeschooled child, capped at $4,000 per family	ClassWallet
Arizona	Empowerment Scholarship Account (ESA)	About $7,105 to $10,540 a year for grades 1-12 and $4,718 to $6,205 for kindergarten (the state's 2025-26 estimate for students without disabilities)	ClassWallet
Arkansas	Education Freedom Account (EFA)	$7,208 per year for a standard student in 2026-27 (about 90% of state per-student funding)	ClassWallet
Florida	Personalized Education Program (PEP) Scholarship	About $7,463 to $12,217 for 2026-27, depending on your county and your child's grade	Step Up For Students (the state-approved scholarship organization), through its EMA account system
New Hampshire	Education Freedom Account (EFA)	About $4,000 in base state aid, plus roughly $700 to $2,000 more for each qualifying factor (low income, English learner, or a qualifying disability)	ClassWallet, through Children's Scholarship Fund NH
Texas	Texas Education Savings Account Program (Education Freedom Accounts)	$2,000 per year for homeschooled students	Odyssey
Utah	Utah Fits All Scholarship	Up to $8,000 per year, depending on how the funds are used	Odyssey (UFA Marketplace)
West Virginia	Hope Scholarship	About $5,436 for 2026-27 (the state calls it "expected")	TheoPay
Wyoming	Steamboat Legacy Scholarship (Education Savings Account)	$7,000 per year	Odyssey

North Carolina

North Carolina runs an ESA program, but we couldn't load its official site to confirm whether homeschoolers qualify, so we haven't listed it yet.

States that look like they'd work but don't

• Georgia: Requires two semesters of public-school enrollment first.
• Iowa: The child must be enrolled full-time in an accredited private school, so independent homeschoolers can't use it.
• Louisiana: Limited by income or to students entering kindergarten, and depends on funding.
• Mississippi: Only for students with an IEP.
• Montana: Requires a disability and prior enrollment, and is under a court stay.
• South Carolina: Explicitly excludes homeschooling.
• Tennessee: The main program pays private-school tuition only. The second program needs a prior public-school year, except for kindergarten entry and new residents.
• Indiana: Disability-only, with no general homeschool track.

Using the money on curriculum

In most of these states you can only pay a vendor that is registered with the state's marketplace, so a well-reviewed program isn't automatically payable with ESA funds. Before you buy, check that the publisher is listed in your state's marketplace. Arkansas, West Virginia, Wyoming, Florida and New Hampshire publish vendor lists we can check, so our program pages show which publishers are on them. Arizona, Texas, Utah and Alabama keep their marketplaces behind a login, so ask your state's program before you buy.