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AOA Affordability

$1.4 million in need-based financial aid was awarded
to 36% of the students (gr. 1-12) in the 2020-2021 academic year.
Andrews Osborne Academy is Affordable
At Andrews Osborne Academy, we are committed to making our school affordable for families. AOA provides financial assistance to qualifying families who have completed the admission application process. This reduces the tuition allowing students the opportunity to attend Andrews Osborne Academy.
Andrews Osborne Academy awarded $1.4 million to 36% of the student body in the 2021-2022 academic year. The average income of a family receiving financial assistance is $78,500. The average award is $11,200. Financial aid awards range from a 5% reduction of tuition to a maximum of 75% reduction of tuition with families paying a range of $3,000 to $16,500 in tuition.
We understand that families have questions about making an AOA education possible. We encourage families to learn more about the Financial Assistance program.

Financial Assistance Application Process

1. Complete the Parents’ Financial Statement (PFS) at School and Student Service for Financial Aid (SSS). Andrews Osborne Academy’s school code is 1292.

To apply, CLICK HERE.

2. Upload the required documents to your application through SSS. 

Andrews Osborne Academy is on rolling admissions. Completed financial aid applications will be reviewed as candidates complete the admission process and receive an offer of admission.

There are many myths about the financial aid process. We want to help you understand the truth.
Mythbuster 1Middle-class families do not qualify for financial aid.
Many middle-class families do qualify for financial aid. We consider a variety of factors when determining a financial aid award.
Mythbuster 2When a family reapplies for assistance after the first year at school, the award will decrease significantly.
If a family’s situation remains constant, the award will also remain constant. As tuition increases, families typically see an increase in the award.
Mythbuster 3 A family is penalized because there are funds saved for college and retirement.
Savings is one of the assets reviewed, but its impact on the family contribution calculation is quite small.

The cases are based on typical AOA families with diverse financial situations. Many variables are included in the Parents’ Financial Statement and no two financial assistance applications are ever identical. We hope these examples help you imagine how an Andrews Osborne Academy education may be possible for your family.

Case Study #1

A student lives with both parents and has one sibling who is not enrolled at a tuition-charging institution. The combined family income is $120,000. The family owns their home and has $12,000 in assets (includes savings, home equity, savings, and investments).
$26,525 Tuition Grade 9
$14,285 - Total Assistance Offered
$1,000 - Jerome T. Osborne, Sr. Merit Scholarship
$11,240 = Total Tuition Paid
Case Study #2

A student lives with both parents and does not have any siblings. Both parents are employed outside of the home with a combined income of $86,000. The family owns their home with a market value of $150,000. Their total assets are $110,000 (includes savings, home equity, savings, and investments).
$17,518 Tuition Grade 3
$5,818 - Total Assistance Offered
$11,700 = Total Tuition Paid
Case Study #3

A family with 3 children who all attend tuition-charging institutions (2 children are enrolled at AOA and 1 child attends college). Both parents work outside the home. The combined household income is $225,000. The family owns their home with a market value of $400,000. Assets are $80,000 (includes savings, home equity, savings, and investments).
$26,525 Tuition for 1st student in Grade 9 
$26,525 Tuition for 2nd student in Grade 11
$27,618 - Total Assistance Offered
$25,432 = Total Tuition Paid

Frequently Asked Questions

List of 7 frequently asked questions.

  • Q: How do I know if my family qualifies?

    The basic formula that guides a financial assistance award is:
    Tuition - Expected Family Contribution (EFC) = AOA Financial Assistance Award
  • Q: What are the considerations for special situations?

    If parents are separated or divorced, both parents must complete the PFS and submit all required documentation to SSS.
    If a parent files as a single parent and the whereabouts of the non-custodial parent are unknown, a written statement from an attorney, pastor/minister, or other appropriate third party official is needed stating that the child has had no contact with the non-custodial parent for a minimum of two years. The statement must be submitted to the Office of Admission at Andrews Osborne Academy.
    If the child files a tax return, a copy must be submitted to SSS.
  • Q: What can a family expect from year to year?

    Aid is awarded annually and for one year at a time. All aid recipients must repeat the full application process each year. If a family does not meet the deadlines or follow all the steps correctly, they may not be funded.

  • Q: What documents are required in addition to the PFS?

    • 2020 1040 with all schedules and worksheets 
      (Self-Employed Parents: Include ALL related business forms with your 1040 - Schedule C, Schedule E, 1120, 1065, and K-1)
    • 2020 W2 Form
    • 2020 1099 Form (if applicable)
  • Q: How is an Expected Family Contribution calculated?

    We take into consideration a family’s unique financial situation which includes these major components:

    ·    Income
    ·    Assets – savings
    ·    Taxes paid
    ·    Family Size
    ·    Number of Students attending a tuition-charging institution
    ·    Cost of Living
    ·    Unusual Expenses
  • Q: Does Andrews Osborne Academy have a loan program?

    Yes, Andrews Osborne Academy works with Tuition Solution, an education loan company which offers convenient financing for your child’s education. To apply or calculate payments, please visit tuition solution. You can also call (800) 920-9777 or email
  • Q: How do I submit the required tax documents?

      • Prepare your document files for uploading. Make sure the documents are on your computer and each specific form is saved as a separate file. Examples: a) 1 PDF file for the 1040 with all schedules and worksheets included, b) each W2 saved as its own file. Remove any security or password protection from your files.
      • Return to your Family Portal account and confirm you are on the Academic Year 2022-23 Dashboard.
      • In the “Required Documents” section, use the Upload button or link associated with the specific document type. Follow prompts to locate, select, and confirm the file to upload.
      • Click the Submit button to complete your upload. The date will appear in the “Date Uploaded” column within minutes of the upload. Repeat this process until all required documents are submitted by their deadlines.
      • Mailing in Documents: If you prefer to submit required documents by mail, you must print your Cover Sheet from within your family portal and send it with your documents to the address it provides.

Scholarship Opportunities

Andrews Osborne Academy, through the generosity of several constituents and annual giving, is able to offer scholarship opportunities to both new and returning students. New students applying for scholarships and financial aid must first complete all admission requirements and receive notice of admission from AOA before an award will be given with the exception of the Jerome T. Osborne Sr. Merit Scholarship. Scholarship application requirements can be viewed by selecting the scholarship name.

Please contact the Office of Admission by email at or call 440-942-3600 ext. 114 with any questions.

List of 5 items.

  • David J. Richards, Jr. Scholarship ($1,000 Award) - Due April 22, 2022

    Awarded to one RETURNING student entering Grades 9-12.

    Applicant must have a 3.5 cumulative GPA, be involved in community service, and be in need of proven financial assistance. Applicant must submit an essay explaining how he/she meets the above listed criteria. Student name and current grade must be included in the essay. 

    One faculty recommendation is required and should contain the following information:
    • How long has the faculty member known the applicant and in which capacity (teacher, advisor, coach)?
    • What is the applicant’s strongest characteristic?
    • What sets the applicant apart from other AOA students?
    One faculty member may only submit one recommendation per year (ex: Mr. Goodman can only submit one recommendation for the scholarship even though 3 applicants have asked him to complete a recommendation. The other 2 applicants must find other faculty members to submit the recommendation).
    Essay and recommendation can be emailed to Please call the Office of Admission at (440) 942-3600 ext. 114 to confirm the receipt of your application in the event the document has mistakenly been placed in the SPAM mailbox. The recipient will be recognized at the Upper School Awards ceremony.
  • Felix Rothschild Scholarship ($1,000 Award)

    Awarded to two students (NEW or RETURNING) in grades 6 through 12 with significant financial need whose family has applied for need-based financial aid through School and Student Services (SSS). 

    AOA Financial Aid committee to award the scholarship annually based on financial need determined by SSS.

    Previous year's recipient will be given priority consideration.
  • Jerome T. Osborne Sr. Merit Scholarships (Amount Varies)

    Awarded to NEW & RETURNING students entering Grades 7-11 for the 2021-2022 academic year

    Attain an average stanine score of 5 or above on the Independent School Entrance Exam (ISEE)
    • $1,000 Merit Scholarship:  ISEE average score of 5.00-5.99
    • $1,500 Merit Scholarship:  ISEE average score of 6.00-6.99
    • $2,000 Merit Scholarship:  ISEE average score of 7.00 or above
    Student must take the ISEE between September 1, 2020 and April 24, 2021. 

    Student can only take the ISEE once during this time period. Register online at

    The scholarship is renewable through graduation as long as the recipient maintains a 3.0 GPA and is an outstanding member of the AOA school community.

  • Lee/Gray Scholarship (Amount Varies)

    Recognizes an outstanding RETURNING senior with two consecutive years at AOA, a minimum 3.5 grade point average, and a community commitment.

    No application required
  • Melanie Williams Scholarship ($500 Award) - Due April 22, 2022

    Awarded to one RETURNING female student entering Grades 9-12.

    Applicants must have a 3.0 GPA and have played on the Andrews Osborne Academy basketball team during the 2020-2021 school year.  In addition, the applicant must also play basketball during the 2021-2022 school year or the scholarship will be rescinded. 

    Applicants must submit a 1 page essay describing how playing basketball has helped her personal development. Include student name and grade in the essay. Essay can be emailed to by April 16, 2021. Please call the Office of Admission at (440) 942-3600 ext. 114 to verify receipt of your application.
2021-2022 Tuition

Pre-K (3 years old by Sept. 1st)

2 Half Days (T/Th) $3,846
2 Full Days (T/Th) $4,999
3 Half Days (T/Th/F) $5,769
3 Full Days (T/Th/F) $7,499

Pre-K (4 years old by Sept. 1st)

3 Half Days (M/W/F) $8,551
3 Full Days (M/W/F) $11,283
5 Half Days $11,283
5 Full Days $14,045
Kindergarten $14,045
Grades 1-4 $17,518
Grade 5 $17,776
Grades 6-8 $19,784
Grades 9-11 $26,525
Grade 12 $26,847

Postgraduate $26,525

International Day Students
Grade Level Tuition + $2,000 I-20 Processing Fee 

Boarding Students Grades 7-12, PG

National Students (USA Citizens)

5 Day Boarding
Grades 7-11, PG $43,710
Grade 12 $44,037
7 Day Boarding
Grades 7-11, PG $50,732
Grade 12 $51,059

International Students
5 Day Boarding
Grade 7-11, PG $50,732
Grade 12 $51,059
7 Day Boarding
Grades 7-11, PG $57,724
Grade 12 $58,050

Questions? Please contact Rachelle Sundberg, Director of Admission and Financial Aid, at or 440-942-3600 ext. 114.

Andrews Osborne Academy

Grades PK - 12, PG
PHONE (440) 942-3600
AX (440) 942-3660
Located In Willoughby, OH, Andrews Osborne Academy is a Private Co-ed Day & Boarding College Preparatory School For Grades PK - 12, PG. Students benefit from a challenging academic program, fine and performing arts, competitive athletics, and a wide selection of extracurricular activities.