Affording Tower

An Investment in Education

An independent school education represents a significant investment in your children's future. Tower's unique educational philosophy emphasizes both critical and creative thinking—developing well-rounded children whose academic success is fueled by creative exploration, joyful curiosity, and a sense of belonging within a community of diverse perspectives and talents.

We encourage all families to explore the value of a Tower education for their children, regardless of their ability to afford the entire tuition. Our robust tuition assistance program complements 529 plan use, family gifting options and need-based scholarship opportunities which can make a Tower education a reality for families across a wide economic range. 

Adeline Tower Community Scholarship

We honor the work of teachers, first responders and others whose professional expertise strengthens our local communities, expands the worlds of our children and keeps our local towns safe. Tower School recognizes the impact of these professionals with a scholarship of up to 50% of Tower's tuition for their children.

Applicants may also qualify for supplemental tuition assistance to bridge the gap between the scholarship and a family's ability to pay the remaining tuition.

Apply for the Adeline Tower Community Scholarship.

Facts about Tuition Assistance Awards at Tower

Tuition Assistance at Tower

41% of Tower students receive tuition assistance.

$1.8 million in tuition assistance was provided to families during the 2018-2019 school year.

Families of 98 students are expected to receive tuition assistance during the 2018-2019 school year.

Income & Average Tuition Assistance Awarded During the 2018-2019 School Year

Income Range


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Three Steps to Apply for Tuition Assistance

Apply for Tuition Assistance

Parents may begin the application process as early as November 1, 2019. All documents must be received by SSS on or before February 1, 2020, to be considered for March notification. Applications received after this time will be considered when complete.

1. Visit NAIS/SSS online, and complete the Parent Financial Statement (PFS).
Tower School's Code for SSS is 7696.

2. Gather the following forms:
2018 W-2 forms for both parents, and
2018 Tax Return (include all schedules).

If your 2019 taxes are not complete, please use your 2018 return. Tuition assistance grants will be finalized when we receive your 2019 tax return.

The NAIS/SSS Customer Service Center welcomes questions from parents. Call 800.344.8328, Monday through Friday, from 9 am-8 pm, and Saturday, from 9 am-4 pm.

3. Mail copies of all forms to one of the following addresses:

USPS mail:
P.O. Box 449
Randolph, MA 02368

Overnight Mail:
SSS by NAIS, Application Processing Center
437 Turnpike Street
Canton, MA 02021


529 Plan for K-12 Independent School Tuition

529 Plan Use for K-12 Independent School Tuition

Due to 2018 529 Plan legislation, families may withdraw up to $10,000 per student per year from a 529 plan to pay for K-12 tuition.

Families should consult with a financial adviser prior to taking advantage of the 2018 change to the Federal Tax Law.

Tax Advantaged Family Gifting Can Help Cover Tuition Costs

Tax Advantaged Family Gifting

The IRS published the gift tax exclusion for 2019. Family members and friends can make an annual tax free gift of $15,000 to as many individuals as they would like. For example, two grandparents could each give $15,000 to each grandchild, and to each child, for a total annual gift of $30,000 for each recipient. Gifts can be used to pay tuition.

Speak with your family's financial adviser about developing an annual giving strategy for children and grandchildren to avoid the requirement for family members to pay significant estate tax on that money later.

Tuition Payment Plans

Tuition Payment Plans

Families may choose one of the following payment options:
Plan 1 Payment in full
Plan 2 Quarterly payments due on the first of June, September, December, and March
Plan 3 Ten monthly payments June-March

2019-2020 Tuition

Tuition includes all of the following:

  • Chromebooks for every student in grades 3-8
  • access to computer labs, 3D printers, 3D laser printer
  • all books, all school supplies and curriculum materials
  • all field trips and overnight trips
  • athletics participation and athletic uniforms
  • drama participation
  • school bus transportation from Nahant, Lynn, Swampscott and Salem
  • morning snack
  • yearbook each year

2019-2020 Tuition

Grade tuition
Half-Day Pre-Kindergarten $19,000
Full-Day Pre-Kindergarten $24,000
Kindergarten-Grade 5 $31,875
Grades 6-8 $35,875

Financial Planning for an Independent School Education: A Speaker Series Event

Thursday, October 17, 2019, 6:30−8:00 pm

Join us for an evening discussion with Andrew E. Keller, VP, Wealth Management Advisor at Merrill Lynch Global Wealth & Investment Management; Jeff Carter, Board Treasurer; and Dean Sidell, Acting Head of School and CFO.

We'll discuss the benefits of creating a school funding strategy using a variety of tools, including: 

  • 529 Plan Use for K-12 Tuition
  • Tax-advantaged family gifting strategies
  • Tuition Assistance
  • Tower's Adeline Tower Community Scholarship

We are an academic community committed to excellence. Visit our academics pages to view our grade-by-grade curriculum guide.  

Browse our online Curriculum Guide.

Our ambition for our students—to prepare them for the dynamic challenges of the future while embracing the joy of childhood—is at the heart of our school's mission.

Learn more about Tower's mission.

Tower students are articulate, confident, self-motivated learners who engage in their academic success, develop strong leadership skills, and create opportunities to contribute meaningfully in their communities and the world.

To learn more, contact Reagan Kenwell, Director of Admission.

contact reagan Kenwell, director of admission

5th grade science

"My four years at Tower started my love for learning and being a student. Tower gave me the foundation I needed for high school and later for college. The teachers at Tower pushed me to be responsible and hardworking, but also offered as much help as I needed when I was struggling. However, the best part of Tower for me is the tight-knit Tower community. I will forever be thankful to Tower for introducing me to some of my closest and best friends."

Ali McEachern,’10, Boston University Class of ’18 and Student Manager of Men’s Ice Hockey