5776-5777 / 2016-2017 School Year
“EVERYCHILD DESERVES TO RECEIVE A COMPLETE AND AUTHENTICJEWISH EDUCATION NO MATTER THE FINANCIAL CIRCUMSTANCES OF THAT CHILD’S FAMILY.”
This is the goal toward which the Cheder strives. To achieve this objective requires a partnership among the Cheder and its parent body as well as extended family members, other institutions, and the entire Chicago Jewish community. The Cheder Tuition Policy set forth herein depends upon the existence of that partnership.
I. Schedule of Tuition and Fees
Tuition rates and fees (not including summer fee) for the school year 5777/2016-2017 are as follows:
Early Childhood, Preschool $4,750/annual
Elementary (Pre-1a through Eighth Grade)$10,750.00/annual
Give-or-Get (per child) $450/annual
II. Required Contributions
In addition to the standard tuition and fees, each family is expected to assist the Cheder in its fundraising efforts and otherwise contribute to the school’s well-being.
A. Cheder “Money”
Each year, each family must either purchase at least $600/month of Cheder “Money” or Jewel Gift Cards over the course of the school year for use at various merchants make or make a one-time donation of $250.
B. Give or Get
Each year, every family must either pay or raise (known as “Give or Get”) at least $450 per student in charitable contributions to the Cheder. The Give or Get requirement applies to all students in Nursery through 8th grades.
Each year the Tuition Committee may grant variances in a family’s Give or Get requirement. Specifically, in cases where there is a gross disparity between a family’s means and the minimum requirements, the Tuition Committee may choose to reduce the Give or Get requirement in whole or in part. Also, the Give or Get requirement may be waived during a family’s first year at Cheder if the family lacks sufficient assets or income.
Give or Get variances must be applied for and approved annually by the Tuition Committee, as variances from previous years will not be carried over. Variance applications can be obtained from the Cheder office and all variance application must be received no later than the end of June each year. Failure to submit a completed variance application in a timely manner will regrettably preclude the Cheder from considering a family for the Give or Get reduction.
Please keep in mind that a family’s Give or Get requirements may be met through charitable contributions raised by the family on behalf of the Cheder. Also, per arrangements made with the Cheder administration, portions of a family’s requirement may be met through the contribution of goods and/or services in lieu of actual monetary payments. A family’s overall ability to either raise funds or contribute goods and/or services will be factored into the decision to grant a Give or Get reduction.
III. The Cheder Tuition Assistance Program
In the spirit of the partnership set forth above, Cheder has established a Tuition Assistance Program to help offset the financial burden of educating Cheder students.
Each year Cheder has traditionally provided over $1 million of overall tuition assistance to those families that are unable to pay the full tuition fees. Nevertheless, despite its best efforts, Cheder understands that the Tuition Assistance Program will not fully offset the financial needs of each and every family. Although the Cheder administration conducts extensive annual fundraising activities, the Cheder has no choice but to require a minimum tuition requirement for educating Cheder students.
A. Tuition Assistance Eligibility
Only students in Kindergarten through 8th grades are eligible for tuition assistance from Cheder. Full tuition must be paid for students in Nursery.
B. Tuition Assistance Applicability
Tuition assistance is applicable only to tuition fees. Registration, book, and Summer Session fees as well as Required Contributions (see Section II) must be paid in full, subject only to the variances discussed in Section II.
The Cheder is an affiliate of the Chicago Associated Talmud Torah. As such, Cheder is required to administer its tuition assistance process in conjunction with FACTS. FACTS is a private, non-profit organization that applies a standard formula for determining each family’s ability to pay for private school education. Although the FACTS process is required in order for tuition assistance to be rewarded, the recommendation made by FACTS is not determinative of the tuition assistance, as explained in Section III.D.
Each family that wishes to be considered for tuition assistance from Cheder must submit a properly completed FACTS application by the deadline specified on the FACTS application (www.factstuitionaid.com). The form must be submitted directly to the FACTS office. FACTS application forms may be obtained from the Cheder office upon request. Families are encouraged to submit their applications no later than April 15th. Failure to submit a completed FACTS form in a timely manner will regrettably preclude the Cheder from considering a family for tuition assistance.
D. Consideration of FACTS Recommendations
Due to a limited amount of Tuition Assistance Program funds, the Tuition Committee will automatically apply a mandatory upward adjustment of 15% to each family’s FACTS recommendation.
The recommendation made by FACTS is subject to revision as set forth herein. In most cases, the Tuition Committee will use the FACTS recommendation without independent examination of a family’s financial situation. However, the Tuition Committee may impose discretionary adjustments to the FACTS recommendation for reasonable cause.
Reasonable cause for an upward adjustment includes any plausible grounds for believing the information requested by and/or provided to FACTS does not accurately depict a family’s true financial condition. The Tuition Committee will not consider downward adjustments to the FACTS recommendation except in exceptional circumstances and only when the FACTS itself has suggested that it is appropriate for the Tuition Committee to conduct a further review of the family’s financial condition.
E. Determining Tuition Assistance
Due to the Tuition Assistance Program’s limited funds, a cap on tuition assistance per student has been established. For Chicagoland residents, the minimum tuition per student is $3,300.
Actual tuition is determined by taking the greater of the following:
• the minimum tuition per student times the number of eligible students; and
• the adjusted FACTS figure if said figure is greater than the result using the minimum tuition.
IV. Tuition Variances
Each year the Tuition Committee may grant tuition variances to a family due to extreme hardship resulting from an inability to work due to severe illness. Be advised that, as a general rule, if there is an employed or employable adult in the household, insufficient income or other assets does not usually by itself result in a hardship tuition reduction.
Variances must be applied for and approved annually by the Tuition Committee, as variances from previous years will not be carried over. Variance applications can be obtained from the Cheder office and all variance application must be received no later than the end of June each year. Failure to submit a completed variance application in a timely manner will regrettably preclude the Cheder from considering a family for a hardship reduction.
Please note that a family may not apply or qualify for the hardship variance during its first year of attendance at Cheder.
B. Tuition Discounts
Families with parents who teach at the Cheder may in some cases qualify for certain discounts in accordance with the policies established by the Cheder administration from time to time.
V. Total Tuition and Fees Due and Give or Get
A. Determining Total Tuition and Fees Due and Give or Get
Determination of a family’s total Cheder tuition due is based on the numerous factors set forth in the Cheder Tuition Policy. If you are eligible for tuition assistance, use the worksheet below to determine the Total Tuition and Fees Due to Cheder for your family plus Give or Get. (The following calculation does not include Cheder “money”).
Cheder Tuition Assistance Program Worksheet (Chicagoland students)
Adjusted FACTS Figure
Initial FACTS Recommendation
Enter the recommended FACTS amount (as adjusted, if applicable, by the Tuition Committee)
Mandatory 15% FACTS Adjustment
Multiply Line1 by 15%
FACTS as Adjusted
Add Lines 1 and 2
Tuition Assuming Maximum Assistance
Tuition per student assuming maximum assistance
Chicagoland residents: Multiply the # of students attending Kindergarten through 8th grades by $3,300
Multiply the # of students attending Tots/Nursery by $4,750
Total Tuition Assuming Maximum Assistance
Add Lines 4 and 5
Enter the greater of Lines 3 and 6
Enter in any hardship variances approved by the Tuition Committee
Total Tuition Due
Total Tuition Due
Subtract Lines 8 from Line 7
Give or Get*
Multiply the # of students attending by $450
Add Lines 9 and 10
* Excludes Cheder “money” (see Section II) and Summer Fees.
VI. Tuition Policy Administration
In order to allow the Cheder administration to perform its intended function of providing a “complete and authentic Jewish education” for Cheder students, the Cheder Tuition Committee has been established to administer the Cheder Tuition Policy.
A. The Tuition Committee Members
The Tuition Committee is comprised of three members. Current committee chairs are Mssrs. Aryeh Leib Benjamin and Pesach Glaser.
B. The Role of the Tuition Committee
The Tuition Committee is the administrator of the Tuition Policy. As such, the Tuition Committee shall make all decisions pertaining to the Tuition Policy. Only those decisions provided in writing by the Tuition Committee shall be binding. This pertains to all discretionary adjustments (upwards and downwards) as well as all variances (Tuition and Give or Get).
Excluding the one-week period prior to the start of Cheder, members of the Tuition Committee will make themselves available to meet and discuss any Tuition Policy issue. However, please understand that no oral commitments from any individual member of the committee should be relied upon, as they are not binding.
C. The Role of Cheder Administration
Although members of the Cheder administration are available to discuss ideas for raising funds and/or exchanging goods and/or services of value to the Cheder, it is not the role of Cheder administrators to get involved in any issues pertaining to the Tuition Policy. Therefore, please do not solicit Cheder administrators to advocate on your behalf concerning Tuition Policy issues. Moreover, in the event you discuss tuition matters with a Cheder administrator, please do not expect any commitments made by the Cheder administrator to be honored by the Tuition Committee.
D. Advisory Services
Mr. Pesach Glaser is available to counsel families regarding budgeting for and/or financing the education of their children.
A. Tuition and Fees
Cheder will accept payment of Total Tuition Due combined with all applicable registration and book fees in the form of post-dated checks delivered to the Cheder Bookkeeper by the end of the July that precedes the beginning of Cheder. The maximum payment schedule is ten monthly installments of equal amounts beginning in September and running through June of the following year. Checks should be dated no later than the 5th day of each month. Payment in full of tuition and fees prior to July is encouraged. For any payment made by credit card, a 2.75% processing fee will be applied to the amount charged.
B. Outstanding Balances
Outstanding balances from the prior year must be received in full by the end of July each year.
C. Cheder “Money”
A deposit of $250 to secure the obligation to use Cheder money is required by the end of July each year. This deposit will be returned upon satisfaction of the requirement to use Cheder money. If the Cheder money requirement is not satisfied, the deposit will be retained by Cheder and applied in full satisfaction of the Cheder “Money” requirement.
D. Summer Session
Cheder will accept payment of a family’s total Summer Session fees in the form of any combination of post-dated checks delivered to the Cheder Bookkeeper by the end of the June that precedes the beginning of the Summer Session.
E. Give or Get
A deposit of the family’s Give or Get commitment ($450 per student minus any granted variances) is required by the end of July each year either in cash or in two post-dated checks of equal amounts. If post-dated checks are provided, the first must be dated no later than February 1 and the last dated no later than June 1.
If, prior to the date of the first post-dated check, the raised donations by the family equal or exceed the first post-dated check’s written amount, the check will be returned and any excess funds will be held over. Otherwise, the first post-dated check will be deposited and all raised funds to date will be held over. If, prior to the date of the second post-dated check, held over funds plus additional donations raised by the family equals or exceeds the second post-dated check’s written amount, the second post-dated check will be returned. Otherwise, the family will be given the opportunity to replace the second post-dated check with a new check dated no later than June 1 for an amount equal to the outstanding Give or Get commitment.
The Tuition Committee must approve in writing any Give or Get payment arrangement other than as set forth herein.
Admit slips for each student in a family will be provided only after receipt of the required payments as set forth herein, including any outstanding balances from the prior year. Parents should not send their children to Cheder without an admit slip. However unfortunate and regrettable, students who appear in class without an admit slip may be removed and prohibited from attending class until an admit slip is obtained.
Attendance throughout the year is conditional upon actual receipt of required funds. If payment funds are not received or commitments are not satisfied, the Tuition Committee will make reasonable effort to work with a family to reach a mutually satisfactory agreement in writing. If an agreement can not be reached or a prior agreement is not honored by the family, however unfortunate and regrettable, a student may be removed from the Cheder and prohibited from attending classes until the matter is resolved.