^ Back to Top
954-260-0805

Financial Options

Fill out a quick form to receive your FREE consultation

The information that you provide to us is kept confidential.

Have you recently discovered the high costs of boarding schools, military schools, therapeutic boarding schools, residential treatment centers, wilderness programs, and/or other avenues of academic and emotional growth assistance?

For the average middle class family, the fees can be staggering. Even people of means may experience “sticker shock” at the tuition of these programs. Due to the extensive costs of operating specialty schools with the appropriate licenses, credentialed staff, and certified educational accreditation, it is extremely expensive.

The average cost of private therapeutic boarding schools and programs is approximately $6,000 per month and are generally not all-inclusive. There is usually a separate processing fee which can range from $2,500-$3,500 and normally covers insurances, administrative costs, and other various charges. Some programs will include the uniform in that fee. Other programs will have an additional fee for uniforms. When choosing a program, be sure to ask specifically what is included and what extra fees to expect. If a private program is less than $3,000 per month, please be sure to do your research.

Many programs offer a discount if tuition is paid up front. This is an individual decision which is dependent on your financial circumstances and family’s needs.

Financing these programs can be available to you in a variety of ways. The Educational Loan is one that is typically used by many families. When you speak with a school or program, ask them for their approved lenders. Since 2008 the availability of lenders for residential treatment has become limited which is why each school has had to qualify with lenders to be able to provide you with options.

canstockphoto6158996If a child has a college fund, it may be a good time to use it. Although we expect our children to go to college, getting your teen the help he needs to ensure he makes it to college is what you are concerned with at this time. When the time comes where he/she is ready for that step and you have exhausted your college fund, there are always grants and scholarships for which to apply.

Does your child have an Individual Educational Plan (IEP) through your local school district? In some cases, this may defer some of your tuition costs in respect to the academic component of a boarding school or program. If you have an IEP in place for your child, it is important to ask the school or program you are considering if they work with IEPs and discuss the reimbursement process. For more information on IEPs, click here.

Another alternative to financing a program is a Home Equity Credit Line. This can be beneficial to you in a few ways. Not only is a convenient way to access money that is needed, it can also be a tax deduction in regards to the interest payments. Please keep in mind, sometimes the program you are sending your child to can also be a tax deduction in regards to medical expenses. The therapeutic and medical portions of the tuition can usually be deducted. Check with your tax preparer or accountant for more information.

Credit cards, though carrying a potentially high interest rate, may be able to provide you with the initial monies to enroll your child until you are able to access an educational loan, credit line, or other means of payment. Many parents will use a credit card which accumulates airline miles or other beneficial services and pay it off within the 28-30 days with their credit line or other financial means. This prevents you from incurring finance charges. It can also be a way to earn airline travel to use when it comes time to visit your child if they are out of state.

Contact your medical insurance provider to see if they cover residential placement. Some will cover the first 30 days or possibly the therapeutic portion of your child’s stay (generally one third of the tuition). PPO’s are typically more likely to cover some costs, however it never hurts to check with your insurance company. In searching for programs, you may want to ask the program if they accept your insurance or have experience with how much you could expect from your specific insurance company.  Having them process a verification of benefits (VOB) prior you enrolling your child or signing any contacts can be helpful in giving you a better idea of what your insurance will cover.  Not all programs will do this, but a majority of them will.

Many families will borrow from relatives or, in some cases, employers have been known to contribute to the family. There is a chance that this could also be a tax deduction for individuals or companies. Don’t be afraid to ask the program if they offer scholarships; some do have limited financial aid, so it is important to ask.

P.U.R.E. does not offer any scholarships or financial aid.

If you are searching for free programs or programs that accept Medicaid, please contact your Medicaid provider or your local United Way.

As Featured On

DrPhil_Season_7_title_card1-250x139oprah-logo-250x1091PLATFORMforgoodParentingTodaysKidssunsentinelGaltimeFoxNews1Forbes-Magazine-Logo-Fonthuffington-post-logo
family online safetyTodayMomsusatodaywashpostabcnewsCNN-living1anderson-cooper-360-logo-250x107cbs_eve_logobostonglobe-250x250nbc6newsweek

..and many more.

  • Facebook

    For every parent that is struggling with their teenager - 18 comes very fast. A must read via Grown and Flown ...

    THIS IS ADOLESCENCE: 18 18 is a year overflowing with contradictions. Eighteen wants to be a child forever and yet he cannot wait to grow up. He loves his house and cannot wait to leave it. Eighteen is our teen living in our home and in the same momentous year, an adult residing in another state. On the eve of his 18th birthday it seems almost as if nothing has changed and then one morning in August everything is different. 18 is a year of contradictions, of being our child at home and an adult living in another state. 18 is the year I have dreaded since the day he was born. It is the year that I will begin to know him a little less, the year when more of his life happens away from our family than within it. But 18 is also the year I am most grateful for, that as his childhood ends it has been filled with joy and he has thrived wrapped in our love and that of his brothers. Eighteen cannot believe he is 18. When I tell him that he must register for the selective service and to vote, that I can no longer deal with his doctor, the health insurance company or his college housing office, he is taken aback. Eighteen wants to be an adult, but not if it means a lot of paperwork. Eighteen wants to spend every spare minute with his friends. He dreads the day when one by one they will leave for college and he tells me how much he will miss them, how much their closeness has meant to him and that he hopes they will stay that way forever. While I am indebted to these wonderful boys who have taught my son so much about friendship, I ignore the tightness in my throat and do not say that I feel the same way about him. Eighteen needs to show me he is a grown up, even at the times when I know that he is not. When he is unhappy with me he reminds me that soon he will be gone and then I will not be able to tell him what to do. Eighteen tells me this both because he wants me to acknowledge his independence and because he wants to hurt me that little bit, because in getting ready to go, some small part of him is hurting too. When Eighteen defies me, I can see that my arsenal for controlling him is severely depleted. Eighteen is brimming with confidence. His confidence comes from the physical strength and stamina of youth, from being surrounded by those who have known and loved him most or all of his life and from the fact that we may all be at our most beautiful the summer of our 18th birthdays. Eighteen loves senior year in high school and life at the top of the social food chain. He loves knowing most of the teachers and coaches in his high school and the way they have begun to treat him and the other seniors like young adults. While I delight in seeing him so at ease in his world, I also know that there is nobody less secure than a college freshman. Eighteen thinks the drinking age is 18. I am the bearer of bad news. Eighteen thinks he should not have a curfew. I bear more bad news. Eighteen’s personal hygiene is impeccable. He has never needed to be reminded to shower or brush his teeth. He rarely leaves a mess in the house and usually cleans any garbage from my car when he borrows it. Yet, Eighteen still leaves every article of dirty clothing on his bedroom floor. He has been told 4,287 that there is a laundry hamper in his room. Fearing that he has forgotten, I remind him again. He wonders why I do this, and so do I. Surely there is a point where I should give up, but how will I know when that is? In the summer before he leaves, Eighteen wants to push his father and me away and hold onto us at the same time. I am told that as the reality of their leaving begins to confront some kids, they “soil the nest,” at times giving parents some of their very worst behavior. I try to remember that this is temporary and that if I have learned anything about parenting it is that a markedly changed adolescent will be returned to me come the winter holidays. Eighteen lies on the floor petting his dog. I am in the next room, but I can hear him telling her that he will miss her. He does not remember life before this dog and is old enough to fully understand that this means that in the coming years he will experience the loss of her. He feels love and he feels fear. He has heard that kids get “the call” at school about their dogs and he does not want that call. I can tell Eighteen what to do and what not to do, until he leaves for college. But that would be foolish. We are on a trial run for adulthood, so I let him make most of the decisions and step in only when I cannot help myself. I try not to treat him like the child he no longer is, he tries not to act like the obnoxious teenager he no longer is. Most of the time we are successful, sometimes we fail. Eighteen leaves little gashes on my heart, like stinging paper cuts, as time winds down and we no longer have months or years but rather weeks and days. I miss him before he is even gone and I grieve once he has left. Eighteen drifts slowly away the summer after graduation and then one morning I load up the car and he is really gone, and I can do nothing more than help him on his way. www.facebook.com/grownandflown/

    View on Facebook
  • RSS Sue Scheff Blog

    • Summer Slump: Teens and Social Media July 18, 2017
      Summer can be a great time for teens to decompress from school and their hectic schedule of running from events and squeezing in your homework and studying for exams. They will also have more time for social media, which isn’t all bad.  Especially if they are in high school and going to be applying to […]
    • Two-Thirds of Americans Witness Online Harassment and Abuse July 14, 2017
      In a recent PEW Research Survey, Online Harassment, 66% of Americans say they have witnessed some type of harassing behavior directed toward others online, with 39% indicating they have seen others targeted with severe behaviors such as stalking, physical threats, sustained harassment or sexual harassment. The good news is people are starting to take cover (implement […]
    • Digital Parenting – How to Keep Your Teens Safe Online May 12, 2017
      Keeping teens and tweens safe online continues to be a growing issue that concerns parents everywhere. Statistics indicate that 20% of youths receive hateful or harassing messages via the internet. This is not what a parent likes to hear. As a parent, you want to protect your children from dangers both in real life and […]

To get help, CLICK HERE or call us at 954-260-0805
P.U.R.E. does not provide legal advice and does not have an attorney on staff.
^ Back to Top
Copyright © 2001-2017 Help Your Teens. Optimized Web Design by SEO Web Mechanics Site Map