Financial Aid Requirements

Welcome to Access & Affordability

Andover admits outstanding students regardless of their families' ability to pay the cost of an Andover education. We are proud to say that we meet 100 percent of each admitted student's demonstrated financial need. Through our need-blind admission initiative, we encourage all qualified applicants to consider Andover, regardless of whether they can afford the full cost of attendance. Upon admission, applicants can be confident that their financial need, as determined by Andover's financial aid office, will be met.

Andover determines a family's ability to pay by recalculating the Parents' Financial Statement (PFS) using our own standards. This process produces fair and generous individual results. For example, we do not include the value of a family's home up to $650,000 when considering their assets, and we provide a generous rental allowance for families who do not own a home. As we determine each family's financial need, a careful review is made of all special concerns and circumstances.

Welcome to Opportunity

Andover attracts by far the largest and most diverse applicant pool among peer schools. Given the strong representation of all socioeconomic groups within that pool, the Academy sets no prescribed ceiling on family income when offering full scholarships. Currently, the percentage of the student body on aid is 46 percent, while maintaining 12 percent of the student body on full scholarship.

Policy for Those Applying for Financial Aid from Cities/Towns within our Day Student Boundaries

If you reside in a nearby city/town and are also applying for financial aid, please understand that your financial aid award will be predicated on the day student tuition and will not include the additional cost associated with being a boarding student. You are welcome to apply as a boarding student, but your family will be responsible for the additional tuition necessary for you to live on campus if you are admitted and choose to enroll at Phillips Academy.

Families apply for financial aid at the same time students submit applications for admission. A completed financial aid application consists of the Parents’ Financial Statement (PFS) and subsequent forms for income verification such as W-2s and the most recent Income Tax Return.

Andover has discontinued student loans, replacing such loans with scholarship grants, allowing students to graduate without debt.

Heidi Jamieson Director of Financial Aid

Instructions for Families Applying for Financial Aid

Complete your Parents’ Financial Statement (PFS) online between October 1 and February 1. Andover will communicate decisions about financial aid awards on March 10.

Andover uses the School & Student Services by Community Brands (SSS) to process the Parents’ Financial Statement (PFS). Based on the financial information you provide, SSS presents Andover with an estimated family contribution available for educational purposes. Upon electronic receipt of your information from SSS, Andover recalculates all PFS information using our own standards and policies to make fair and objective financial aid decisions. Please note that even if you have several children applying, you need only complete one PFS.

Step 1


  1. Go to
  2. Click “Create an Account” (Phillips Academy’s school code is 5758).
  3. Set up your PFS Online account using your email address and a password. You may save and return to your PFS before submitting it.
  4. Submit your application and pay your $60 non-refundable fee to process your PFS.
  5. After submitting your PFS, you will have to a section called "Documents." You can upload additional documents we require here.

Step 2

Additional Required Documents

Please upload copies of the following documents to your PFS at School and Student Services (SSS):

  • 2021 tax return with all schedules and W-2s.
  • 2022 tax return with all schedules, W-2s, and 1099s. Although required, your 2022 1040 is due by May 15.

Your grant will be tentative pending receipt of the 2022 1040 forms.

International Applicants

If you are neither a US citizen, Canadian citizen nor a US permanent resident, please submit the International Student Financial Aid Form directly to [email protected]. Please include your most recent tax forms translated into English. A professional translation is not required, simply translate the parts of the form showing your income, taxes paid and any savings. If you do not have tax forms, please include a letter from your employer(s) showing your annual income. We also request a copy of your most recent bank statement. It is important that all documents arrive in one email with the applicant's name in the subject line.

Submitting Documents

Detailed instructions on how to upload required documents are available at Or mail your documents to:

SSS by Community Brands - Application Processing Center
P.O. Box 449
Randolph, MA 02368-0449

For overnight mail, use this address:

SSS by Community Brands- Application Processing Center
437 Turnpike Street
Canton, MA 02021

For questions about the PFS, please contact SSS Customer Service at (800) 344-8328 or [email protected]

Contact Us

If you have questions about financial aid at Andover, please contact Heidi Jamieson, director of financial aid.