Julia Morgan School for Girls is committed to creating a school community that is accessible to everyone. Economic diversity enriches the educational opportunity for all families. To achieve this goal, the School offers Flexible Tuition to students whose families apply and demonstrate a financial need.
The Julia Morgan School Flexible Tuition Program is open to all families who participate in the application process. Families submit information about their financial resources and the school uses standard criteria and NAIS best practices to determine Flexible Tuition awards.
Thanks to donations from families, alumna, and friends of the School, JMSG offers flexible tuition to families based upon demonstrated need. JMSG administers a Flexible Tuition program that supports approximately 1/3 of our students. Understanding that a JMSG education is a significant investment in your child's future, the School's Flexible Tuition Committee reviews, evaluates, and determines a fair assessment of a family's ability to afford an outstanding education for your child.
Tuition covers only a portion of the full cost of a JMSG education. Therefore, even a student determined to be ineligible for flexible tuition is, in fact, being underwritten by the school's endowment and generous gifts from families, alumnae, and friends. JMSG encourages families with limited means to apply for flexible tuition, keeping in mind that the primary obligation for financing a student's education rests solely with the family and all avenues available to that family before approaching the School for assistance. The School further expects a family to make significant adjustments in the use of its discretionary resources and lifestyle choices and access ancillary resources available through extended family, work, and local organizations. In every instance, the Flexible Tuition Committee requires evidence that a family's commitment to their child's education is a priority over ancillary lifestyle choices.
In order to determine a family's eligibility to receive flexible tuition in a fair and equitable manner, JMSG requires all applicants to complete the Parents Financial Statement (PFS) administered by a third party called the School and Student Services for Financial Aid (SSS) for each year of matriculation. Despite our dedication to helping those who demonstrate need, there are always more students who qualify than funding available. Therefore, we encourage families to apply as soon as possible and before the application deadline.
SSS is a third-party need analysis service that relies on economic factors to determining the eligibility of families. The SSS, like JMSG, believes a family has the primary obligation to finance their child’s education. Once a family has applied for Flexible Tuition, SSS generates a Report of Family Contribution (RFC). JMSG then applies a Bay Area Cost of Living Allowance (COLA) to determine a family's ability to pay.
Flexible tuition decisions are made based on the “total family” basis. JMSG maintains a philosophy that requires active participation of a student’s entire family in funding this educational opportunity. These expectations are in effect regardless of any legal agreements between family members, such as alimony agreements, pre-nuptial agreements, divorce, custody, or other similar agreements. In cases of co-habitation, JMSG considers the entire household income, whatever the legal status of the family may be. JMSG expects parents, guardians, domestic partners, and stepparents to play a critical role in financing their student’s education.
JMSG assumes that all adult family members will work to contribute to the investment in a JMSG education. The Committee will input income for parents or guardians who choose not to work and adjust the RFC accordingly. Families with preschool-aged children or extraordinary situation should make the Committee aware of their circumstances and explain their choice in the additional notes section of the PFS. Parents returning to school or starting a business venture or changing jobs as a personal choice must realize that a resulting decrease in their family income will not be underwritten by JMSG.
The primary responsibility for financing an education rests with the parents of the students. In many JMSG families both parents work in order to maintain income sufficient to support an independent school education for their children. It is unfair to ask these dual employed families to subsidize the educational cost of a family who chooses, for a desired lifestyle, not to work at a level their education and ability permit.
If more than one child in a family attends a tuition-charging institution, JMSG strongly recommends families apply for aid at each of the institutions their children attend. JMSG is unable to subsidize tuition for other tuition charging schools of any type, including college. JMSG does not consider tuition paid for children beyond the undergraduate level such as a master and doctoral degrees when determining eligibility for aid.
All parents who own a business will be required to upload all current business tax returns. Business owners will also be asked to furnish income statements, balance sheets and any other information relevant to the business. We do not consider business or rental depreciation or loss in the calculation of financial need. Depreciation does not reflect an actual cash disbursement or loss.
Savings, investments, trust funds, 529 funds or other assets in a student’s name or held for a student for any reason, or restricted in any way, are considered available resources for use in funding a student’s education at JMSG.
The SSS need analysis considers the equity a family has in their primary residence and other assets. It is not our intent to expect parents to sell their home or to take home equity to support a child’s education unless the balance of equity is significant. However, if a family has chosento direct discretionary income toward the acquisition of assets, rather than toward the cost of education, they will be expected to direct a larger portion of current income towards educational expenses.
First, consider the full cost of an independent school education. If you cannot cover expenses out of income and judicious use of assets, consider your other options, such as tapping home equity or assistance from relatives. If you are counting on gifts from relatives, it is important to discuss with them whether or not they can maintain that help over the course of your child’s attendance at JMSG.
SSS uses a methodology devised over many years to compute a family’s ability to pay for educational expenses for all children. SSS considers total financial situation including the Bay Area's cost of living. SSS is a service provided by the National Association of Independent Schools (NAIS). Many NAIS schools use SSS for financial aid analysis.
Provided family circumstances remain the same and the school’s resources can continue to support the program to the same extent, the school intends to fund the student for three years. To continue in the program the family must reapply each year.
Unfortunately, no. The number of accepted students whose families qualify for Flexible Tuition exceeds the School’s budget. The School does not guarantee finding for, nor is able to fund all deserving students. Most years, JMSG is able to offer Flexible Tuition is offered to a high percentage of accepted students whose families demonstrate need.
Yes. Please give your request for a second review in writing to the Flexible Tuition Committee. Fill out a detailed Monthly Cash Flow Report and provide additional documents to substantiate your appeal.
It is JMSG’s belief that the primary responsibility for financing education resets with families. Our Flexible Tuition Committee’s goal is to effectively evaluate each family’s financial picture in such a manner that the family realizes some financial sacrifice for a JMSG education. We will not provide aid to offset “lifestyle” choices and expenditures that could have been directed to education, such as luxury cars, second homes, expensive vacations, club memberships, high credit card debt, etc.
JMSG recognizes that families have the freedom and the responsibility to make choices regarding their financial status. However, if only one parent works outside of the home, the Flexible Tuition Committee will add additional income to the needs calculation as if the nonworking parent was employed full time.
Julia Morgan School requires all parents, including non-custodial parents, to complete the Flexible Tuition application process. To waive this requirement requires completion of the Julia Morgan School non-custodial waiver and third party documentation that the non-custodial parent is in an unknown location and has not communicated with the custodial parent or child for the most recent two-year period. This documentation may be in the form of statement from people outside the immediate family who have known the custodial parent for at least two years. If a family member believes circumstances warrant waiving this requirement, please contact the Admission Office, immediately, for additional instructions and documentation to complete with your applications. The signed waiver and documentation must be completed and returned to the School no later than January 8, 2018.
Admission acceptance letters sent on March 15, 2018 will include a separate response regarding Flexible Tuition. Responses to families will fall into three categories: an offer of Flexible Tuition; notification that the family does not qualify for Flexible Tuition; or notice that the family is wait-listed for Flexible Tuition. A wait list designation means that a family will be considered for Flexible Tuition if additional funding becomes available.
Tuition and Fees
Tuition for the 2018-2019 academic year is $31,475*. All program and field trip expenses included.
$100 non-refundable application fee (Early application fee of $80 if received by December 2, 2018)