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Indexed Tuition

How to Apply

Indexed Tuition is a flexible tuition pricing plan based on each family's specific financial situation. Harford Day School partners with School and Student Services (SSS), a division of the National Association of Independent Schools (NAIS), in a confidential process to determine each family's customized tuition rate through submission of the Parent Financial Statement (PFS).

Priority Deadline for Returning Families: 1/4/21

Priority Deadline for Families New to Harford Day: 2/1/21

For families new to Harford Day School, the Admissions application and the PFS application are separate forms that should be completed simultaneously.

Please contact the admissions office directly to discuss your Indexed Tuition application after the priority deadlines listed above. Applications will continue to be reviewed throughout the year as funds allow.

Please follow the steps outlined below to apply for Indexed Tuition.


Indexed Tuition Application Process

Key Factors Determining Your Indexed Tuition Level

Total Family Income as verified with IRS forms and schedules
Net worth, including real estate, bank accounts, non-retirement investments
Debt to Equity Ratio
Number of children in the family and in tuition-charging schools
Discretionary or luxury expenditures
Extenuating circumstances (health, change in employment, other)
Resources to Assist with Your Application
The following downloadable PDF resources, published by SSS, will assist you in understanding and completing the Parent Financial Statement (PFS):

How to Apply

Step-by-Step Guide to the Parent Financial Statement (PFS)
Ebook: Understanding the Process
PFS Tax Primer
PFS Tax Primer for Self-Employed Parents

2020-2021 Tuition & Fees

Harford Day School's Board of Trustees meets annually in January to set tuition for the following academic year. In making its decision, the Board diligently considers tuition data for peer schools, compiled by both the Association of Independent Maryland & DC Schools (AIMS) and the National Association of Independent Schools (NAIS).

Harford Day School is the only elementary and middle school in Harford County accredited by AIMS and holding membership in NAIS. This status places Harford Day among the 120 most elite private schools in Maryland and the District of Columbia and holds HDS to the highest expectations for excellence.



K-Prep 3 (3 Half Days 8:00-12:30) $6,427.00
K-Prep 3 (3 Full Days 8:00-2:50) $8,549.00
K-Prep 3 (5 Half Days 8:00-12:30) $9,126.00
K-Prep 3 (5 Full Days 8:00-2:50) $12,854.00
K-Prep 4 $16,640.00



Grades 1 - Grades 5


Grades 6 - 8


*Please note: There is a $750 iPad fee for Middle School. The fee may be paid in 3 annual installments of $250, and the iPad belongs to your family upon graduation.

Annual fees range from $250 to $450 depending upon the grade and cover books, activities, and most field trips.

Other Funding Options

Coverdell Educational Savings Accounts (ESAs)

Did you know ESAs may be applied to qualified elementary and secondary education expenses? Learn more HERE and consult with your financial advisor to see if this would be a good option for your family.

Sallie Mae K-12 Family Education Loan


If you have questions about affording Harford Day School or applying for Indexed Tuition, please contact Diane Russell, Director of Admissions at 410-838-4848 or dianerussell@harfordday.org.