Frequent Asked Questions
 

Eligibility
 

 

Application procedures and deadlines
 


Confidentiality
 


Financial Assistance from other sources
 


CJP Discover Day School Check
 


Beyond year one
 


Further questions
 

 

Eligibility
 

Is my child eligible for CJP Discover Day School Checks?

We encourage you to use the Eligibility Calculator to find out if your family is eligible for CJP Discover Day School Checks. Eligibility is based on whether (1) your child is new to day school and the first in your family to attend Jewish day school and (2) you fit within the income criteria (described below).

back to top

Who is “first in the family”?

The purpose of CJP’s Discover Day School Program is to provide financial support and incentive to families who have not yet experienced all that our day schools have to offer. Therefore, this
limited pilot program requires that the student receiving a CJP Discover Day School Check be new to day school and the “first in the family” to attend a Jewish day school.

The following applicants are considered “first in the family” to attend day school:

  • new to day school and the first child in the family to attend a K-8 day school (if the student was previously enrolled at an out-of-state day school, they are not considered new to day school)
  • child entering day school simultaneously with siblings (including a twin) who have not previously attended any day school
  • previous attendance at a preschool or young (4-year old) kindergarten program housed at a day school does not disqualify an applicant

*Note: A parent’s status as a Jewish day school alum has no bearing on a child’s eligibility.

back to top

What are the income criteria for eligibility?

The income criteria entail a simple calculation of your 2017 Adjusted Gross Income (reported on your 2017 taxes) minus standard deductions allowed for certain “Jewish expenses.” The final AGI, after all applicable Jewish deductions are applied, must be between $100,000 and $299,000 to qualify. Note: Jewish deductions can lower an AGI to fit within the qualifying middle tier definition. However, deductions will not disqualify an applicant if, when applied, the AGI falls below $100,000.

back to top

How do I compute my AGI?

The IRS Individual Income Tax Return (Form 1040, 1040A, 1040EZ) contains a worksheet to compute your Adjusted Gross Income (AGI), defined as gross income or total minus certain adjustments to income. On your federal tax return please refer to:

  • Line 37 if you filed a Form 1040
  • Line 21 if you filed a Form 1040A
  • Line 4 if you filed a Form 1040EZ

If you do not yet have all the information needed to compute your 2017 AGI, we recommend using your 2016 AGI on the Eligibility Calculator for an estimated initial eligibility determination, bearing in mind that final eligibility will be subject to your actual 2017 figures.

Estimating your AGI:

  • If your status was single on your 2016 tax return and you plan to file a joint return in 2017, be sure to add both spouses’ 2016 AGI when estimating 2017 AGI. The joint income will be the relevant number on the application.
  • If your income has changed substantially from 2016 to 2017, adjust your estimate accordingly.

When completing the application (by March 29, 2018) your actual 2017 AGI will need to be used. To submit an application, you will be required to provide a copy of pages 1 and 2 of both parents’/guardians’ filed 2016 IRS Form(s) 1040 (last year’s filing). NOTE: issuance of a final Discover Day School Check is dependent upon receipt of a copy of your filed 2017 IRS Form 1040 by May 4, 2018. Click Next Steps for more detailed information about the application process.

back to top

I am ineligible based on my 2017 Adjusted Gross Income (AGI). What if my 2017 AGI doesn’t reflect what my income will be during the 2018-19 school year?

If you are ineligible based on your 2017 AGI being too high/low but you can demonstrate a change (or soon to occur change) in income that is not reflected in your 2017 AGI (e.g. change of job, loss of job, increased salary), you may still apply for the program as long as the income you will be receiving for the 2018-19 school year falls within the Discover Day School income parameters. You should make note of the change in income on your application, and attach documents that provide proof of the new income level (contract, pay stubs, etc). If approved and accepted into the program, your eligibility for the subsequent two years will be determined by the prior year’s AGI (e.g, your 2018 AGI will determine your eligibility for the 2019-20 school year).

If you experienced a one-time income event that was responsible for pushing your 2017 AGI slightly above or below the Discover Day School income eligibility parameters, or if there are other unique circumstances impacting your income eligibility, please contact Anna Leybzon (annal@cjp.org or 618-457-8748) to discuss if you meet the eligibility requirements for the program.

back to top

My ex-spouse and I are divorced. How do I compute the AGI for our child’s application?

If only one parent bears responsibility (by court order or agreement) for the child’s education, then only that parent’s AGI (household AGI) should be included. However, if both parents share responsibility for your child’s education expenses, then the AGI of both parents’ households should be combined when completing the Eligibility Calculator and application. If one of the responsible parents is unwilling to provide financial information, the applying parent will have the opportunity to include a letter with the application from the business manager of the school of choice explaining the circumstances, and the single parent’s AGI (household AGI) may be used on the application.

back to top

What are standard deductions for “Jewish expenses”?

The concept of standard deductions for “Jewish expenses” is a CJP creation – you won’t find it in the U.S. tax code! It is recognition that leading an engaged Jewish life can add substantial costs to a family, and that Jewish day school is one of many important expenses. CJP’s Discover Day School Program has highlighted a few of the likely expenses incurred by families with school age children. If and when this pilot program expands, it is our intention to include other important “Jewish expenses.”

On the Discover Day School application, a standard deduction of $3,000 off your AGI can be deducted for each of the following:

  • Synagogue membership(s)
  • Jewish preschool tuition for younger sibling(s)
  • Expected Gateways special education services for your child

back to top

What is the standard deduction for synagogue membership(s)?

“Synagogue” is broadly defined to include any synagogue, havurah or independent minyan where dues are paid. The standard deduction for synagogue membership(s) is in recognition of the central role synagogues play in Jewish life and connection. There is a single $3,000 standard deduction regardless of the number of synagogue memberships in a family.

back to top

What is the standard deduction for Jewish preschool tuition(s)?

If you have one or more younger children who will be attending a Jewish preschool during the 2018-19 school year, you qualify for a standard deduction from your AGI. Jewish preschool can be an important first step in a child’s formal Jewish education and a powerful connection for the family to the Jewish community. Actual expenses for Jewish preschool vary widely, depending on the number of days and hours a child attends. In addition, not all communities have extended-day Jewish preschool/day care options that working parents may require. The single deduction reflects all of these factors.

There is a single $3,000 deduction regardless of how many children in your family attend a Jewish preschool.

See our preschools page for a list of programs that are recognized as Jewish preschools.

On the application there will be an opportunity to include other Jewish preschool programs not listed here, subject to verification.

back to top

What is the standard deduction for special education services?

Gateways: Access to Jewish Education offers programs and services to children with special needs and educational challenges in Greater Boston’s Jewish day schools.

If you believe your child entering day school in 2018 may require special education services, we suggest that you contact Gateways early in your admission process. With confirmation by Gateways, a standard $3,000 deduction is available for certain Gateways expenses. Please visit our Diverse Learners page for more information.

back to top

What is the day school tuition deduction?

The cost of multiple day school tuitions is often a difficult financial challenge for middle tier income families.

Families enrolling a CJP Discover Day School applicant plus siblings who have not previously attended day school, are eligible for an additional standard “day school tuition” deduction. For each additional sibling (up to two) who simultaneously enrolls in day school for the first time in 2018 the eligibility calculator will deduct $20,000 from the family’s AGI. This deduction will also apply for those siblings entering a Jewish high school for the first time. Like the Jewish deductions, this tuition deduction can lower an AGI to fit within the qualifying middle tier definition. However, deductions will not disqualify an applicant if, when applied, the AGI falls below $100,000. Note: only one child per family will be awarded CJP Discover Day School checks regardless of the number of children simultaneously enrolling in day school for the first time.

back to top

What does it mean if the calculator says I qualify?

If the Eligibility Calculator says you qualify for a CJP Discover Day School Check, it means that based upon the information you provided you are within the zone of “middle tier” income families whom this pilot program targets. The calculator does not guarantee you will receive a CJP Discover Day School Check. You must first submit a CJP Discover Day School application for verification. If you are approved, you will be issued a CJP Discover Day School Check.

A CJP Discover Day School Check does not indicate that your child has been accepted to a Jewish day school. Your child will need to go through the regular admissions process at the school(s) of your choice.

back to top

What does it mean if the calculator says I am not eligible?

The Eligibility Calculator will inform you that you are not eligible for a CJP Discover Day School Check if either (1) your child is not “first in the family” to attend Jewish day school, or (2) your AGI, after applicable deductions, does not fall between $100,000 and $299,000 – this program’s definition of “middle tier income”. (For further explanation of “middle tier income” for the purposes of this program, see About us.)

Eligibility determination by the calculator is based on the information you provided, which may have included an estimated AGI. However, the final determination of eligibility will be based on your actual 2017 Adjusted Gross Income (AGI) and verification of deductions. If you think your AGI estimate may be inaccurate, please revisit the Eligibility Calculator once you have determined your actual 2017 AGI.

If you are found ineligible there may be other financial assistance available. We encourage you to speak with a financial assistance representative at any day school you are considering. Schools base their awards on multiple factors that can determine need much more precisely than the broad-brush eligibility standards required of this pilot. You may be surprised how much help is available.

back to top

Application procedures and deadlines
 

The Eligibility Calculator says that I am eligible. What do I need to do now to obtain my CJP Discover Day School Check?

Please be sure to review carefully our Next Steps page that outlines the actions required to secure a CJP Discover Day School Check.

back to top

Are there important deadlines to keep in mind?

Yes! Applications will become available on January 5, 2018. We encourage you to file your application early as it will be processed in the order received. Applications must be postmarked or emailed by March 29, 2018 in order for CJP Discover Day School Checks to be secured (if verified). April 16, 2018: Last day to submit CJP Discover Day School Check to your school of choice. Your Check should accompany your signed Intention to Enroll (agreement, contract or deposit, as required by school). CJP Discover Day School Checks are valid through April 16, 2018 and must be submitted to your school of choice by that date. May 4, 2018: Submission of a copy of your filed 2017 IRS Form 1040 no later than May 4, 2018 is required for CJP to reimburse your day school for the value of your Discover Day School Check.

back to top

If I miss any deadline can I still participate in this program?

Pending available funds, a waitlist will be created for applicants who apply after the April 16, 2018 deadline.

Families who do not use their CJP Discover Day School Checks by April 16, 2018 may still have an opportunity to use a CJP Discover Day School Check along with waitlisted CJP Discover Day School applicants, depending on availability and at the discretion of CJP. There is no guarantee of CJP Discover Day School Checks past deadlines.

back to top

What if I don’t have a copy of my current tax information by the deadline?

To apply for a CJP Discover Day School Check you will need to know your family’s 2017 Adjusted Gross Income (AGI) as is/will be reported on your 2017 IRS Form 1040. Please be sure to have your calculated 2017 AGI available before applying. The application requires you to provide a copy of all final filed 2016 IRS Form(s) 1040, 1040A or 1040EZ (pages 1 and 2 only) (last year’s filing) signed by parents/guardians. We recognize that many families are not ready to submit their 2017 tax forms to the IRS until April, therefore you have until May 4, 2018 to submit a copy of your filed 2017 IRS Form 1040.

CJPs reimbursement for the value of your Discover Day School Check to your school is dependent upon receipt of a copy of your filed 2017 IRS Form 1040 by May 4, 2018. If you do not meet any of these deadlines, you will have the opportunity to be placed on a waitlist, and additional Discover Day School Checks will be granted depending on availability and at the discretion of CJP. Applications submitted past the deadline are not guaranteed.

back to top

What if I haven’t found out my school financial assistance award by April 16?

We are working with all of the day schools to provide this information to you within this program’s timeframe. However, some schools may not be able to inform all families of their financial assistance determinations before the April 16, 2018 deadline. At that point families will need to choose between using a CJP Discover Day School Check or going on the waitlist for a CJP Discover Day School Check while they await the final school financial assistance determination.

back to top

Confidentiality
 

Will my information be kept confidential?

Yes! Your privacy is very important to us. Click here for privacy policy.

back to top

Financial Assistance from other sources
 

Can I apply for and accept financial assistance from my day school in addition to using a CJP Discover Day School Check?

No. Depending on your circumstances you may be eligible for more financial assistance than the value of your CJP Discover Day School Check. However you must choose between accepting financial assistance (for any children in your family) from the school and using a CJP Discover Day School Check. We encourage families to apply for financial assistance. For more information on financial assistance at particular day schools, please visit individual school websites, found on the Our schools page.

Note that some schools have implemented additional cost saving programs designed to dovetail with the CJP Discover Day School program. In some circumstances, a family may receive both a CJP Discover Day School Check and school-based cost savings. Please see individual school websites found on the Our schools page to learn more.

back to top

What is included as “financial assistance from my day school”?

All types of financial assistance or tuition abatement provided by the school where you use your Discover Day School Check both needs-based and non-needs based, are considered financial assistance. Examples include faculty tuition discounts (not salary exclusions) and sibling discounts.

Also included is any financial assistance from the same school for other children in your family. Note: in the event that you have another child matriculating in a different day school also for the first time, accepting financial assistance from that school will not preclude use of a Discover Day School Check. For example: If you are a first-time day school family and one child is entering fifth grade at a day school and one is entering a different Jewish high school in 2018, your high school student may accept financial assistance while your younger child may use a Discover Day School Check.

Note that some schools have implemented additional cost saving programs designed to dovetail with the CJP Discover Day School program. In some circumstances, a family may receive both a CJP Discover Day School Check and school-based cost savings. Please see individual school websites found on the Our schools page to learn more.Note that this year some schools have implemented extensions of the Discover Day School program at their school. In some circumstances, a family may receive both a CJP Discover Day School Check and a school-based Discover Day School Check. Please see individual school websites found on the Our schools page to learn more.

back to top

Can I accept financial assistance from somewhere other than my day school and still use a CJP Discover Day School Check?

Yes! Assistance from grandparents, synagogues, Gateways, or any other source other than the day school itself does not affect eligibility for CJP Discover Day School Checks.

back to top

CJP Discover Day School Checks
 

How do I find out the value of my CJP Discover Day School Check?

CJP Discover Day School Checks will be accepted at the day school of your choice to cover 25 percent, up to $6,000, of your incoming student’s tuition in 2018-19 and the subsequent two years. You can find out the specific dollar value of your CJP Discover Day School Check by contacting the day school of your choice. Click here for a full listing and contact information for Greater Boston’s day schools. Note: CJP Discover Day School Checks cover tuition costs only, and are not applicable to any other day school fees.

back to top

How many Discover Day School Checks will I be eligible for if my child starts day school in 7th or 8th grade?

CJP Discover Day School Checks are available for students in K-8 grade only. Therefore, if your child is entering day school for the first time in 7th grade s/he will be eligible for two Checks (toward 7th and 8th grade tuition). If your child enters day school for the first time in 8th grade, only one Check will be available.

back to top

Is my CJP Discover Day School Check transferable?

CJP Discover Day School Checks are not transferable to another child or family.

back to top

Is my CJP Discover Day School Check taxable?

It is our understanding that generally CJP Discover Day School Checks are not considered taxable income. However, please check with your tax advisor regarding your specific circumstances.

back to top

Beyond Year One
 

How do I obtain CJP Discover Day School Checks for the subsequent two years of my child’s day school tuition?

CJP will continue to provide checks towards a child’s subsequent two years of tuition for families who receive and use a 2018 CJP Discover Day School Check provided the family continues to meet eligibility criteria. Families will be required to submit a re-verification form for the subsequent two grades, and will be contacted each year in the early spring with instructions on re-verifying for the approaching school year.

back to top

What financial support is available after the third and final year of Discover Day School Checks?

CJP cannot commit to further CJP Discover Day School Checks beyond the three-year cycle. CJP’s Discover Day School Program is completely separate from any day school financial assistance program. After the period of time that you receive CJP Discover Day School Checks, you may apply for financial assistance at your day school through the regular school process. Please see your school’s financial assistance representative for more details.

back to top

Will my entering student’s sibling(s) also qualify for a CJP Discover Day
School Check in future years?

If your child is the second in your family to attend day school, he/she does not meet the criterion of “first in the family.”

However, if you qualify now for a CJP Discover Day School Check for your first child, when your next child enrolls in day school you may actually qualify for more assistance from your school than the value of the Check.

back to top

I am considering enrolling my child in day school for the first time in 2019-20. Will I be able to participate in CJP’s Discover Day School program?

At this point in the program, there has been no determination whether the CJP Discover Day School program will continue for entering students in 2019-20. Please revisit this website next year for information about continuation of the program.

back to top

Further questions
 

Whom do I contact with questions?

For any questions not addressed here or in Next Steps, you may email discoverdayschool@cjp.org or contact the business manager and/or admissions director at the day school(s) you are considering.

You may also contact Anna Leybzon, CJP Associate, Initiative for Day School Excellence, at AnnaL@cjp.org or 618-457-8748 for additional information regarding the program.

 

back to top