Are you a Texas homeschooling parent working to cover curriculum costs, tutoring, and educational therapies? With Texas Education Freedom Accounts (TEFA) you could receive up to $10,474 per child - or even $30,000 for children with special needs - directly from the state of Texas. This is breakthrough homeschool funding for parents living in Texas.

In this episode, Crystal and Anthony Obey break down everything you need to know about the Texas Education Freedom Accounts (TEFA) program - the largest first-year school choice program in American history.

With $1 billion allocated and applications closing March 17th, you have just 41 days to apply for this potentially life-changing funding.

Learn exactly how TEFA works, who qualifies, how much money you can receive, and the complete step-by-step application process so you can make an informed decision about whether this program is right for your homeschooling family.

🎧 Listen to discover how Texas families can access thousands of dollars in education scholarships while maintaining complete homeschool freedom.

👉 Get the Application Checklist: educationfreedom.texas.gov

In This Episode, You'll Discover:

1. What Texas Education Freedom Accounts actually are and how they differ from traditional vouchers
2. The exact funding amounts available: $10,474 for private school students, up to $30,000 for students with IEPs, and $2,000 for homeschool families
3. Complete eligibility requirements - who can apply and who qualifies for priority funding
4. How the four-tier lottery system works and what happens if applications exceed available funding
5. The sibling benefit that automatically accepts all eligible siblings if one child is selected
6. What approved educational expenses you can purchase with TEFA funds - from curriculum to tutoring to therapy services
7. Step-by-step application instructions including every document you need to gather before you start
8. Critical deadlines you cannot miss, from the March 17th application deadline to summer enrollment dates
9. Special considerations for families with children who have IEPs or disabilities, and much more

Perfect for you if:

1. You're a Texas homeschooling family looking to reduce educational expenses
2. You have a child with special needs who requires expensive therapies or specialized services
3. You're paying private school tuition and want help covering costs

Get the facts about Texas Education Freedom Accounts (TEFA) and decide if this $10,474+ opportunity is right for your family. Applications close March 17th - tune in now!

ADDITIONAL RESOURCES:

Official TEFA Website: educationfreedom.texas.gov

Odyssey Support: support.withodyssey.com | 737-379-2362

Application Deadline: March 17, 2026, 11:59 PM CT

Funding Start Date: July 1, 2026

Picture this.

2

You're sitting at your kitchen table

in Texas looking at your child's

3

tuition bill, $12,000 for the year.

4

Or maybe you're a homeschooling

parent, calculating curriculum

5

costs, therapy sessions, tutoring.

6

It all adds up.

7

Now imagine someone handing you a

check for $10,474 per child every

8

year from the state of Texas.

9

Sounds too good to be true.

10

Well, it's not, and applications

opened just this week on February 4th.

11

Today we're diving deep into the Texas

Education Freedom Accounts Program.

12

Tfa, the largest first year school

choice program in American history.

13

We're talking about a billion

dollars allocated by the Texas

14

legislature to put education dollars

directly into parents' hands.

15

But here's the catch.

16

The applications close March 17th.

17

That gives you just 41 days to get

your paperwork together and apply.

18

And with limited funding, not everyone

who applies is guaranteed to get in.

19

So let's cut through the noise, look

at the facts, and figure out exactly

20

what this means for your family.

21

Let's get started.

22

A fast growing number of parents are

starting their homeschooling journey while

23

others have been homeschooling for years.

24

All of these parents are asking one big

question, how can I afford to homeschool?

25

We are here to answer that

important question once and for all.

26

Hi, I'm Crystal Obby.

27

And I'm Anthony Obby.

28

We've been homeschooling our five

kids for 13 years and we funded it.

29

Through our online consulting business

that we've been running for over 17

30

years now, we're combining Crystal's

financial coaching expertise with my

31

digital marketing background where I help

entrepreneurs launch and sell online.

32

We're here to help fellow homeschooling

parents self-fund their homeschool

33

journey and create lifestyle businesses.

34

For financial freedom without a nine to

five job, are you ready to start living

35

life on your own terms and make your

homeschooling experience a lot more fun?

36

Well then sit back, crank up

the volume, and enjoy this

37

episode of Homeschool Money.

38

Welcome to the Homeschool Money podcast.

39

I'm your host, Anthony Obie,

40

And I'm your host, crystal Obie.

41

Let me start with the basics,

because there's a lot of confusion

42

about what this program actually is.

43

In May, 2025, governor Greg Abbott

signed senate bill to into Law

44

creating what Texas is calling

Education Freedom Accounts.

45

Other states call these education

savings accounts or ESAs.

46

Some people call them vouchers,

but that's not quite accurate

47

and I'll explain why in a moment.

48

Here's how it works.

49

Instead of that money going directly

to your local public school district,

50

eligible families can receive

state funding to use for approved

51

educational expenses outside the

traditional public school system.

52

This includes private school tuition,

homeschool curriculum, tutoring,

53

therapy services, educational materials.

54

Basically the things families

actually need to educate their kids.

55

The program is administered by the Texas

Comptroller of Public Accounts, and they

56

partner with a company called Odyssey

to manage the technology platform.

57

Think of it like a prepaid debit

card for education expenses, except

58

you can only spend it through an

approved marketplace of vendors.

59

Now, why isn't this technically a voucher?

60

Under a traditional voucher program,

the state would write a check

61

directly to a private school for

your child's tuition was tifa.

62

You never actually touch the money.

63

Everything is managed through

Odyssey's digital platform.

64

You select approved vendors, schools,

tutors, curriculum providers, and the

65

funds get transferred directly to them.

66

You're directing where the money

goes, but you're not cashing checks

67

or making direct payments yourself.

68

The big question everyone's asking,

how much money are we talking about?

69

It depends on three things.

70

Whether your child has an individualized

education program or IEP, whether you're

71

planning to use a participating private

school and your family's income level

72

for prioritization purposes, here are

73

year, $10,474 per student if you're

enrolling in a participating accredited

74

private school, that's 85% of what Texas

public schools receive per student.

75

On average up to $30,000 per student with

a qualifying disability who has an IEP

76

on file with the Texas Education Agency.

77

This is huge for families with

children with special needs who

78

need specific services and support.

79

$2,000 per student if you're

homeschooling or using other

80

non-public educational settings that

aren't approved private schools.

81

As far as we know right now, homeschool

freedom, stay exactly the same.

82

If you're a current homeschooler

and you don't wanna participate

83

in tifa, nothing changes for you.

84

There are no new testing requirements.

85

No curriculum mandates, no government

oversight of your homeschool.

86

This is entirely optional.

87

That's a crucial point because I've

heard families worried that this

88

program might be a Trojan horse for

government regulation of home schools.

89

Advocates have fought hard to ensure.

90

Participating in Tifa doesn't

compromise homeschool autonomy.

91

Alright, so who can actually

apply for this money?

92

Hey, real quick, if you're liking the

show, hit follow so you don't miss a

93

single episode and drop a five star

rating and a review to let us know that

94

you're loving the content and tell us

what topics you'd like us to cover.

95

This will help more people find

the show, and please share this

96

episode with a friend, your

co-op, or anyone who needs it.

97

They'll be glad you did.

98

Now, back to the show.

99

The eligibility requirements

are pretty straightforward.

100

Your child must be number

one, a Texas resident.

101

At least one parent must live in Texas.

102

Number two, A US citizen, US National, or

lawfully admitted into the United States.

103

Number three, eligible to enroll

in a Texas public school or charter

104

school . Military families get

special consideration even if you're

105

not physically stationed in Texas.

106

When you apply, you can meet residency

requirements by uploading orders

107

that require you to be in Texas

during the 20 26 27 school year.

108

Now, here's something really important.

109

Your child can be currently enrolled

in public school when you apply.

110

The program doesn't exclude

current public school students.

111

However, your child cannot receive

TFA funding while simultaneously

112

enrolled in public or charter school.

113

You have to choose one or the other.

114

There's also a special pre-K provision.

115

Children between ages three and five may

be eligible for the full $10,474 if they

116

qualify for free pre-kindergarten Under

existing Texas law, this includes children

117

who can't speak or comprehend English.

118

Children from low income households,

homeless children, children in

119

foster care, children of active duty

military or children of injured or

120

killed first responders or military

members and children of public school

121

teachers at districts that offer

pre-K, but, and this is critical.

122

Just because nearly every Texas

child is eligible to apply, doesn't

123

mean everyone will receive funding.

124

Let me explain how the selection

process works, because this is

125

where things get interesting.

126

The Texas legislature

approved 1 billion for tifa.

127

That sounds like a lot of money and it

is, but officials estimate it will serve

128

somewhere between 90,000 and a hundred

thousand students in the first year.

129

For context, Texas has over 5.5

130

million students across public,

private, and home schools.

131

So what happens if more than a

hundred thousand families apply?

132

That's where the lottery comes in, but

it's not a completely random lottery.

133

Applications are

prioritized into four tiers.

134

Tier one children with a qualifying

disability who are members of households

135

with total annual income at or below

500% of the federal poverty level.

136

For a family of four, that's

about $165,000 per year.

137

Tier two children from households

with income at or below 200% of

138

the federal poverty level, about

66,000 for a family of four.

139

Tier three children from households with

income between 200 and 500% of the federal

140

poverty level, between 66,000 and 166,000.

141

Were a family of four tier four children

from households with income at or above

142

500% of the federal poverty level.

143

That's over $165,000 for a family of four.

144

Within this tier, children who were

enrolled in a Texas public school or

145

charter school for at least 90% of

the prior school year get priority.

146

Also, this category is capped at no more

than 20% of the total program funding.

147

If applications exceed available funding,

the lottery will happen within each tier.

148

Tier one gets processed first,

then tier two, and so on.

149

Here's a really family friendly feature.

150

If one child in your family is selected

in the lottery, all their eligible

151

siblings who you apply for at the same

time will automatically be accepted even

152

if they're in different priority tier.

153

This is specifically designed to keep

families together and avoid the nightmare

154

scenario where one kid gets funding

but their brother or sister does it.

155

And once you're in the program

and remain in good standing, you

156

don't have to reapply each year.

157

Your child stays in the program

through high school graduation.

158

Now I want to address something

I'm hearing from both supporters

159

and critics of this program.

160

Supporters, including Governor Abbott and

acting comptroller Kelly Hancock, framed

161

this as putting parents in the driver's

seat of their children's education.

162

They argue that when parents have

the power to choose everyone wins,

163

including public schools, which they

claim will improve through competition.

164

Critics including groups like every Texan,

the Texas State Teachers Association

165

and others have serious concerns.

166

They are that this will drain

essential funding from already

167

under-resourced public schools.

168

They point out that the majority of

initial applicants will likely be families

169

already paying for private school or

already homeschooling, meaning the

170

state will now be subsidizing education.

171

It wasn't previously funding without

actually improving outcomes for

172

kids who struggle in public schools.

173

There's also concern about accountability.

174

Private schools participating in

TFA must administer nationally.

175

Norm referenced assessments to

students in grades three through

176

12, but they don't have to give the

star test that public schools use.

177

Critics say this creates

an uneven playing field.

178

Homeschool students have no

testing requirements at all.

179

Some homeschool advocates, including

voices like Robert Borden's and columnist

180

Mary Ruth, worry that accepting government

money could eventually lead to government

181

control over curriculum and instruction.

182

Desperate parents might accept the

money now, but regret it later.

183

We're not here to tell you what to think

about those debates, but you should

184

know they exist, especially if you

value total autonomy in your homeschool.

185

What I can tell you is what the

program actually requires right

186

now based on the official rules.

187

Hey, friend, quick break.

188

If you're ready to fund your homeschool

without relying on a nine to five

189

job, you have to check this out.

190

We're giving you instant access to.

191

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a year to Fund Your Homeschool

192

Without a nine to five job.

193

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194

Afford a world-class education for

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195

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196

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197

This is the system that changed everything

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198

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199

Go to homeschool money.com

200

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201

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202

Don't wait.

203

Your freedom starts right now.

204

Alright.

205

Let's get practical.

206

How do you actually apply for this

applications opened this week,

207

February 4th at 9:00 AM Central time.

208

They close March 17th at

209

This is not first come, first served.

210

Whether you apply on day

one or day 40 doesn't affect

211

your chances, so don't panic.

212

If you're not ready right now.

213

Take your time, gather your documents, and

submit a complete, accurate application.

214

The application is online

only managed through Odyssey.

215

You can do it on your

phone, tablet, or computer.

216

Most people complete it in

10 to 20 minutes if they have

217

all their documents ready.

218

Before you start, gather these

documents for all applicants.

219

Your social security number or

individual taxpayer identification

220

number, your child's social

security number, your Texas driver's

221

license number, or state ID number.

222

Your most recent IRS form 10 40

223

Proof of Texas residency if

your license can't be verified.

224

Utility bill, lease agreement,

mortgage statement or voter

225

registration certificate.

226

If your child has an IEP, this

is where it gets more complex and

227

where you could potentially qualify

for significantly more funding

228

If your child has an individualized

education program on file with the Texas

229

Education Agency from the 20 23 24, or the

20 24 25, or the 20 25, 26 school year,

230

they may be eligible for up to $30,000

in funding instead of the base $10,474.

231

You'll need your child's Texas

unique student identification number,

232

also called the UID or S number.

233

You can get this from your child's

previous school records or by

234

contacting their school district.

235

You'll also need the numerical

instructional code from the IEP

236

usually found in the section about

lease restrictive environment

237

or instructional arrangement.

238

If your child has only attended private

school but has an IEP, your local

239

public school district should have

loaded your child's IEP information

240

into the state's apex system.

241

Which generates a UID.

242

Now what if your child has a disability

but doesn't have a current IEP on file?

243

With TEA,

244

you have options for

prioritization purposes only,

245

not for the additional funding.

246

You can submit a current or expired

out of state IEP, verified by the

247

state or school district, a full

individual and initial evaluation that

248

documents a qualifying disability,

a TFA disability certification form.

249

This disability certification form is

brand new, created specifically for tfa.

250

It must be completed by

qualified professionals, licensed

251

psychologists, physicians,

therapists, and people who diagnose.

252

Depending on the specific disability,

the form and instructions are

253

available on the TFA website.

254

Important note, the disability

certification form can help you get

255

priority in the lottery, but it won't get

you the additional funding up to $30,000.

256

Only a validated IEP on file with TEA.

257

By March 17th can do that.

258

If you're applying for pre-K, you'll

need additional documentation proving

259

your child qualifies under one of the

special pre-K eligibility categories.

260

This might include foster care

documentation, military service

261

statements, or other proof

depending on your situation.

262

The application itself when you sit

down to complete the application,

263

here's what you'll do first.

264

You'll enter your contact

information and upload your identity

265

residency and income documents.

266

Make sure the information matches

exactly what's on your identification.

267

Second, you'll provide information

about each child you're applying for.

268

You can include multiple children

in one household application.

269

In fact, you should, because of that

sibling benefit I mentioned earlier,

270

you'll be asked questions about

gender, race, ethnicity, and the public

271

school campus your child is zoned for.

272

These are required for reporting purposes,

but don't affect eligibility or funding.

273

Third, and this is crucial, you'll select

an educational setting for each child.

274

Private school or homeschool slash other.

275

If you select private school, your

child will be eligible for the $10,474

276

or up to $30,000 with a qualifying IEP.

277

The school must be accredited and

registered to participate in Tifa.

278

If you select homeschool slash other.

279

Your child will be eligible for $2,000.

280

Here's the catch.

281

This selection locks at the end of

the application period on March 17th.

282

After that deadline, you can change

from private school down to homeschool.

283

Slash other and receive the lower

amount, but you cannot make a change

284

that results in additional funding.

285

So choose carefully.

286

You don't have to select

a specific private school.

287

When you apply, you just need

to indicate that you plan to use

288

a participating private school.

289

You'll confirm the actual school

enrollment later in the summer.

290

At the end, you'll agree to

a long list of attestations.

291

Read these carefully.

292

You're affirming that all your information

is accurate, that you understand program

293

requirements, that you'll only use funds

for qualified educational expenses,

294

that you won't sell items per purchased

with tifa money, and that you consent

295

to audits and information sharing as

necessary for program administration.

296

Then you submit.

297

Okay, so you've submitted

your application.

298

Now what?

299

Let me walk you through the timeline.

300

Hey, I hope you're enjoying the show.

301

We'll get right back to the

discussion, but I do want to talk

302

high level with you real quick.

303

You see, transforming your

finances so you can self-fund your

304

homeschooling journey without a nine

to five job takes a roadmap, right?

305

And you may be wondering,

where do I even start?

306

Start at step one.

307

Our Homeschool Money Makeover

program breaks it down into five

308

practical steps that help any family

achieve a financially abundant.

309

Homeschooling lifestyle.

310

Step one, install the

abundance Operating system.

311

Most people believe that they

need two, nine to five jobs to

312

make it in America the truth.

313

With all the technology and the tools

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314

easier time to generate six figures.

315

A year in income working just 15

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316

When you have a strong why for

homeschooling and you know the

317

real costs, you unlock the courage

that you need to become a money

318

magnet without a nine to five job.

319

Step two, get crystal clear about what

you're gonna do with your first $1,000

320

that you make outside of your day job.

321

Write down specific homeschool needs

that a thousand dollars can cover.

322

Yes, this is a small amount, but if

you can learn how to set a target

323

of make your first thousand dollars

outside of your nine to five job,

324

that's going to set a fire in your belly

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325

To make the next a

hundred thousand dollars.

326

Step three, find all the money

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327

your budget with Crystal's.

328

Three financial coaching certifications.

329

Listen, she's gonna help you be able to

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330

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331

You can't build a strong financial

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332

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333

So let's plug up the leaks.

334

Step four.

335

Discover new ways to make money

and claim free money available

336

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337

We discuss grants scholarships,

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338

that Savvy Homeschoolers are using,

and we show you how to use them too.

339

Step five, launch or Scale your

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340

replace your nine to five job income.

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to feel financially abundant.

345

Implementing these five streamlined

steps will make you feel more

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financially empowered than ever before.

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You'll gain the momentum that

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348

when you're making more money.

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You're going to feel

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Through our marketing consulting

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That's what we do in our business life

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355

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357

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Don't wait.

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to start the free class and enroll

into the full program today.

368

March 17th, 1150 9:00 PM Central

Standard Time Applications closed.

369

This is also the deadline for any IEPs

to be on file with TEA if you want

370

to qualify for additional funding.

371

Late March if applications

exceed available funding.

372

Odyssey will conduct the lottery

within each priority tier.

373

Early April.

374

Notifications begin going

out to selected families.

375

If you're accepted, you'll receive

instructions on next steps.

376

If you're not selected, you'll

be placed on a wait list.

377

June 1st initial deadline

for parents to select their

378

child's specific private school.

379

June 15th initial deadline for

schools to confirm enrollment.

380

July 1st.

381

First round of funding becomes

available in Odyssey Accounts at

382

least 25% of your total award.

383

July 15th, final deadline for

parents to select schools.

384

July 31st.

385

Final deadline for schools

to confirm enrollment.

386

mid-August.

387

Final deadline for first

round funding to be available.

388

October 1st, at least

50% of total funding.

389

So 75% cumulative must be

390

Remaining funding becomes

available, important.

391

Any funds remaining at the end of the

school year will roll over as long

392

as your child stays in the program.

393

So if you don't spend all $2,000 or

$10,474 this year, it doesn't disappear.

394

It carries forward.

395

So what are approved educational expenses?

396

According to the program rules, TFA

funds can be used for private school

397

tuition and fees, curriculum and

institution, curriculum and instructional

398

materials, textbooks, and work.

399

Educational therapies and services,

tutoring and supplemental education

400

serve your total award career

and technical education programs,

401

transportations to and from school.

402

School uniforms if required by the

school, standardized testing fees, college

403

entrance exam fees, dual credit courses

for homeschool families getting $2,000.

404

This could cover your entire curriculum

budget, plus materials, plus maybe

405

a math tutor or writing coach.

406

For private school families, $10,474

could cover most or all of your

407

tuition, depending on the school.

408

For families with children

who have special needs.

409

Getting up to $30,000.

410

This could be life changing, covering

not just tuition, but also specialized

411

therapies, equipment and services

that are often incredibly expensive.

412

What you cannot use TFA funds for paying

family members to provide educational

413

services, purchasing anything that's not

educational in nature items, you plan

414

to resell services from providers who

aren't approved in the Tifa marketplace.

415

And remember, you're buying

through Odyssey's platform

416

from approved vendors only.

417

You can't just go to Target,

buy school supplies and submit

418

receipts for reimbursement.

419

It doesn't work that way.

420

All right, let's bring this home.

421

If you want to apply for Tifa, here's

exactly what you need to do right now.

422

Step one, go to education

freedom.texas.gov

423

and download the parent prep checklist.

424

Print it out or save it to your phone.

425

Step two.

426

Gather all your required documents,

IDs, tax returns, proof of residency,

427

your child's social security number,

and if applicable, IEP information.

428

Step three.

429

If you're planning to use a private

school, use the school finder tool

430

on the Tifa website to see which

schools near you are participating.

431

As of late December, over 1400

schools have signed up and

432

more are being added regularly.

433

Step four, if you have questions,

you can get support multiple ways.

434

Chat with an AI

assistant@chat.withodyssey.com.

435

Call 7 3 7.

436

3 7 9 2 3 6 2.

437

Email, help dot tx@withodyssey.com.

438

Step five, complete your

application at the Odyssey platform.

439

The link is on the TFA website.

440

You have until March 17th

441

Step six.

442

If you're accepted, mark your

calendar for summer deadline.

443

June 1st for school selection.

444

July 1st when funds

start becoming available.

445

The Texas Homeschool Coalition

has extensive facts and resources

446

on their website@tsc.org.

447

If you're a homeschool family, I strongly

recommend checking out their materials.

448

They've been deeply involved

in shaping this program to

449

protect homeschool freedoms.

450

If you want to attend an in-person

information session, there are

451

events happening across Texas.

452

The TFA website has a map

showing upcoming sessions.

453

For example, there's one in Dallas

on February 7th at the shops at

454

Redbird from 11:00 AM to 1:00 PM So

here's my final take on all this.

455

Tifa represents a massive shift

in how Texas funds education.

456

Whether you see it as empowering

parents or draining public

457

schools, probably depends on your

values and your family situation.

458

For some families.

459

Especially those already paying

private school tuition or those

460

with children with special needs.

461

This program could be

a financial lifeline.

462

$10,000 per child per year is real

money for homeschool families.

463

$2,000 might not seem like much compared

to what private school families get,

464

but it's still $2,000 you didn't

have before with no new strings

465

attached to your homeschool freedom.

466

The critics raise legitimate

concerns about long-term impacts on

467

public education funding, and about

whether accepting government money.

468

The critics raise legitimate

concerns about long-term impacts

469

on public education funding,

and about whether accepting

470

government money might eventually.

471

Lead to government control.

472

But right now, today, the program exists,

the rules are set, applications are

473

open, and you have 41 days to decide

whether it's right for your family.

474

I'm not gonna tell you what to do.

475

That's your decision, but

I hope we've given you the

476

information you need to make it.

477

If you found this helpful, share it

with other Texas families who might

478

benefit, and if you have follow up

questions, drop them in the comments

479

or reach out to the TFA support team.

480

Thanks for listening.

481

This is Crystal Obie, and

I'll see you next time.

482

If you like today's episode, make

sure you tap the follow button so you

483

never miss a thing, and if it help

you share it with a friend or your

484

homeschool group sharing is caring.

485

Do you love free stuff?

486

Like me?

487

Sign up and watch our free games

class called Get 30,000 a year

488

to Find Your Homeschooling.

489

With our nine to five job, when you sign

up, you'll gain instant access to a class

490

and you'll get our weekly newsletter.

491

For tips and strategies to make your

homeschooling journey affordable,

492

go to homeschool money.com

493

and register right now, ready

to get your homeschool money.

494

Head over to homeschool money.com

495

to enroll in the full Homeschool

Money Makeover course.

496

You'll get the tools, templates,

and step by step help to

497

find your first $1,000 fast.

498

And create 30,000 or much more every year.

499

Each module of this program is designed

to transform your finances and help you

500

experience financial abundance, so you

have the flexibility and lifestyle freedom

501

to homeschool your children with a nine

to five job and without sacrificing.

502

And right now we have an amazing limited

time offer that gives you huge savings

503

and bonus gifts you're going to love.

504

Go to homeschool may.com

505

to enroll today, and don't forget

to give us some love with the

506

five star rating and review.

507

It'll help more people find ourselves.

508

Have a great day.

509

Bye.