Missouri has introduced the MOScholars Education Savings Account (ESA) program to help families access more flexible learning options and educational resources. Through the MOScholars Education Savings Account (ESA) program, eligible families can receive education funds that can be used for approved educational expenses.

For homeschooling families, ESA funds can help cover the cost of curriculum, tutoring, learning platforms, and other educational resources.

In this guide, we’ll explain:

The MOScholars Education Savings Account (ESA) program allows eligible Missouri families to receive education funding that can be used for approved educational expenses.

Instead of all education funding going directly to a public school, the funds are placed in a parent-controlled account that can be used to purchase educational services and materials.

Parents can use these funds to support a personalized learning experience that fits their child’s needs.

Many families use ESA funds for:

For homeschooling families, this funding can make it easier to access high-quality educational resources.

The Missouri ESA program operates through the MOScholars initiative, which prioritizes certain students.

Priority groups include:

To qualify, families generally must:

Funding amounts vary but typically range from approximately:

$6,000 to $7,000 per student per year.

Missouri ESA funds can be used for a wide range of education-related expenses.

Common examples include:

Many homeschooling families combine curriculum, tutoring, and digital learning tools to create a balanced learning routine.

For example, a parent might use:

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Yes. Missouri ESA funds through the MOScholars program can be used to pay for approved homeschool curriculum and other educational learning resources.

This includes textbooks, curriculum materials, tutoring services, online learning platforms, and other instructional tools.

Many homeschooling families combine a core curriculum with digital tools to support reading comprehension, vocabulary development, and critical thinking.

Many homeschooling families in Missouri use ESA funds to build a structured daily learning routine.

For example:

Short daily reading sessions help children strengthen comprehension and build vocabulary over time.

Many families use Chalky for their daily reading block — short sessions with AI-powered comprehension support that fits naturally into any homeschool routine. See how Chalky works

If you're planning to use ESA funds in Missouri, the process generally includes the following steps:

Families apply through approved Scholarship Granting Organizations (SGOs) that administer the MOScholars program.

Once approved, funds are made available through the program.

Families can use ESA funds to purchase approved curriculum, tutoring services, and learning platforms.

Many families create a flexible learning routine that includes reading, math, and hands-on learning activities.

Reading comprehension is one of the most important skills children develop during homeschooling.

The right tools help children build vocabulary, improve analytical thinking, and gain confidence with books.

Chalky helps children practice reading through structured sessions while parents receive insights that show exactly where their child is improving.

🟡 Start using Chalky with your ESA funds

Chalky is already being used by homeschool families across the United States. Here's what some of them are saying:

Yes. Missouri ESA funds through the MOScholars program can be used for approved educational expenses including curriculum, tutoring services, learning platforms, and other educational resources.

Funding amounts vary depending on the program but typically range from approximately approximately $6,000 to $7,000 per student each year.

Yes. ESA funds can be used for approved digital learning platforms such as reading comprehension programs, educational apps, and online learning tools.

Arizona families have access to one of the most flexible education funding programs in the country — and the best time to put those funds to work is now. If you're ready to build a reading routine that actually sticks, Chalky is a great place to start.

Use your ESA funds with Chalky

Chalky is an ESA-approved learning tool that helps children build reading comprehension, vocabulary, and critical thinking — with AI insights that keep parents informed every step of the way.