Private school tuition—especially approaching $60,000 at many independent schools—can feel overwhelming. But understanding how financial aid works makes this investment more accessible than many families realize. The key is knowing the language: need-based financial aid differs fundamentally from merit scholarships, though schools often use these terms interchangeably. Most independent schools use platforms like SSS or Clarity for applications (not FAFSA), and real financial aid experts—not algorithms—review your family's complete picture. After two decades in enrollment and financial aid, I've learned there's no single "financial aid family" profile. Awards range from partial support to full tuition. The only way to know if you qualify? Apply. But understanding the process, deadlines, and right questions to ask gives you a powerful head start.