The New Hampshire Education Freedom Account (EFA) for Homeschool Families

What Is the New Hampshire Education Freedom Account Program?

The New Hampshire Education Freedom Account Program provides state-funded grants that families can use to create an education tailored to their student’s needs. For homeschool families, that can mean combining curriculum, online courses, tutoring, educational materials, testing, and other approved resources.

New Hampshire established the EFA program in 2021, with Children’s Scholarship Fund New Hampshire (CSF) administering the program. Families can use a portion of the state education funding allocated to their student toward approved educational expenses outside a full-time local district or charter public-school setting.

The program is particularly relevant to homeschool families because it does not require parents to build their student’s education around a single provider. CSF describes EFAs as allowing families to combine options such as tuition, tutoring, homeschool programs, online learning, and other services to create an individualized education.

New Hampshire significantly expanded the program in 2025, when legislation removed the previous income restriction and made EFA eligibility available to New Hampshire families regardless of income, subject to the program’s enrollment rules and other eligibility requirements.

Can Homeschool Students Qualify for New Hampshire EFA Funds?

Yes. Homeschool students are explicitly eligible for New Hampshire Education Freedom Accounts.

For 2026–27, the parent and student must be New Hampshire residents, and the student must be eligible to enroll in a New Hampshire public elementary or secondary school. Students enrolled full-time in their local district public school or a charter public school are not eligible to receive an EFA.

Unlike earlier versions of the program, there is no general household-income ceiling for EFA eligibility. Instead, New Hampshire uses priority groups when allocating available enrollment spots.

Current priority groups include:

• Returning EFA students
• Siblings of current EFA recipients
• Students with disabilities
• Students from households at or below 350% of the federal poverty level

That distinction is important: 350% of the federal poverty level is now a priority threshold, not the general eligibility ceiling.

For the 2026–27 school year, applications opened in March 2026 through CSF’s new ScholaVia application system. Applications are rolling, and families whose applications are completed and verified by July 15 can qualify for a full-year EFA; later applicants through February may qualify for a prorated award.

However, demand has exceeded available capacity. As of August 2026, New Hampshire had filled its 12,500-student statutory enrollment cap, with additional eligible students on the waitlist.

How Much New Hampshire EFA Funding Do Homeschool Students Receive?

Unlike some state ESA programs, New Hampshire does not provide one identical flat award to every EFA student. The EFA is based on New Hampshire’s state education funding formula. The student’s award begins with the applicable state adequacy amount and can increase when the student qualifies for additional differentiated aid.

As a result, the exact EFA award can vary from student to student.

CSF’s recent program materials report an average EFA grant of approximately $4,800, although this should be treated as a program average rather than a guaranteed award for an individual homeschool student.

A student’s actual award may differ based on applicable state funding calculations and eligibility for differentiated aid.

Another useful feature for homeschool families is that unused EFA funds can roll over into the following school year through 12th grade, provided the student continues to participate and meet program requirements.

Because applications completed after July 15 are prorated, when a family completes the EFA application can also affect the amount available during the school year.

What Educational Expenses Are Eligible to Purchase with New Hampshire EFA Funds?

New Hampshire homeschool families can use EFA funding to combine multiple approved resources into an education plan that fits their student’s needs.

Eligible educational expenses include options such as:

• Homeschool curriculum
• Online learning programs and classes
• Tutoring
• Educational supplies
• Textbooks and instructional materials
• Technology
• Educational services
• Testing and test preparation
• Other qualifying education expenses

CSF specifically identifies supplemental test prep courses among the educational expenses available through the EFA program.

That flexibility can become particularly useful during the homeschool high school years.

For example, a family might combine a core homeschool curriculum with an online AP® course, supplemental instruction in a challenging subject, and SAT® or ACT® preparation as their student approaches college admissions.

New Hampshire’s EFA is awarded on an individual, per-student basis, rather than as a general family account. Funds allocated to one student cannot simply be shared among siblings.

As with other ESA and EFA programs, however, an educational purchase isn’t automatically eligible simply because it supports learning. Families should verify that the expense, provider, and purchasing method meet current EFA requirements before placing an order.

How Do Homeschool Families Purchase New Hampshire EFA Funds?

New Hampshire families access EFA funds through ClassWallet, the program’s digital wallet and payment platform.

The current EFA Parent Handbook identifies three ways families can spend EFA funds:

1. Marketplace Orders
2. Direct Pay Orders
3. Reimbursement Orders

With the ClassWallet Marketplace, homeschool families can purchase qualifying products such as books, curriculum, computers, and school supplies from participating retailers using their student’s EFA funds. Transactions are reviewed for approval before the order is processed.

With Direct Pay, parents can use ClassWallet to pay an approved education provider directly from the student’s EFA account.

With reimbursement, families may submit qualifying purchases for repayment when permitted by program rules.

Each transaction is subject to review by CSF to determine whether it meets New Hampshire’s allowable-use requirements.

This gives homeschool families several ways to purchase educational resources while keeping spending connected to the individual student’s approved EFA.

Can I Use New Hampshire EFA Funds to Purchase UWorld Products?

UWorld College Prep is currently available to eligible New Hampshire EFA families through ClassWallet Direct Pay, allowing homeschool families to use approved education funding toward UWorld SAT®, ACT®, and AP® resources.

UWorld’s self-paced courses are designed for independent learners and combine comprehensive instruction with college-prep and exam-preparation tools.

Resources include:

1. SAT prep courses
2. ACT prep courses
3. AP courses and AP Exam preparation

What’s included in the curriculum:

• Instructional video lessons
• Exam-style practice questions
• Detailed answer explanations
• Study guides and learning tools
• Practice tests and assessments

That aligns particularly well with New Hampshire’s EFA structure, which expressly allows families to use funds toward online learning and supplemental test-prep courses.

How to Purchase UWorld With New Hampshire EFA Funds

New Hampshire currently uses UWorld’s ClassWallet Direct Pay via Invoice process.

1. Choose your UWorld products
   Select the SAT®, ACT®, or AP® educational resources you want to purchase.
2. Request an invoice from UWorld
   Complete UWorld’s ESA invoice request form. Your invoice will be sent to you by email.
3. Log into ClassWallet
   Access your New Hampshire EFA ClassWallet account and select Pay Vendor.
4. Search for UWorld
   Find UWorld among the available education providers.
5. Upload your UWorld invoice
   Upload the PDF or image of the invoice provided by UWorld.
6. Choose the correct student wallet
   Select the EFA account for the student receiving the educational product.
7. Add the requested purchase details
   Enter the product description, invoice number, or other information requested by ClassWallet.
8. Review and submit for approval
   Check the information and submit the payment request.

Once approved, ClassWallet pays UWorld directly using the available education funding.

New Hampshire families currently need to request and upload a UWorld invoice to complete the Direct Pay process. Once the purchase is approved, UWorld will send a product activation code, and if the order includes printed manuals, tracking information.