How to Stack ESA + SGO Funding: A Complete Guide
Many families don't realize they can combine ESA funds with SGO scholarships to cover most or all of private school tuition.
One of the most powerful strategies for affording private school is combining multiple funding sources. In most states, ESA funds and SGO scholarships can be "stacked" — used together — as long as the total doesn't exceed the cost of tuition and approved expenses.
Here's a real-world example: A family in Arizona receives $7,200 from the ESA program. They also apply for and receive a $3,000 scholarship from a local SGO. The school offers $2,000 in need-based financial aid. Total funding: $12,200 against $14,000 tuition — leaving just $1,800 out of pocket.
The key rules to know: First, check your state's specific stacking rules. Most states allow it but some have coordination requirements. Second, total funding from all sources typically cannot exceed the total cost of tuition and approved expenses. Third, SGO scholarships and ESA funds are reported differently on taxes.
To maximize your funding, start with your state's ESA program (the largest single source), then apply to multiple SGOs (you can receive scholarships from more than one), then ask the school about financial aid, and finally consider 529 plan contributions for any remaining gap.
School Choice USA can help you navigate the stacking process. Check your state's ESA program details on our state pages, browse our SGO directory to find scholarships you qualify for, and use our school search to find schools that accept multiple funding sources.