Admissions » Financial Aid (FA)

Financial Aid (FA)

A comprehensive Financial Aid program is available for families requiring assistance beyond what is provided under the TAP program. Our financial aid program is available to families with students in Kindergarten and above at Moriah. A full application is required to be completed in order to be considered for the Financial Aid program. Applications can be accessed via the following link: All applications will be reviewed by Moriah’s Financial Aid Committee, and all information will remain strictly confidential.

For additional assistance navigating the application and FACTS-hosted online portal, you may access the following What To Expect Video.



Application Guidelines:

Applications are reviewed by the Moriah Financial Aid Committee on an annual basis to determine awards on a needs basis. The information requested in the Financial Aid application is designed to capture each family’s specific financial situation, and is consistent with applications used by other local Yeshivas. In addition to background provided in the application, the Financial Aid Committee may request additional information, or request a phone call with applicants, in order to better understand their specific circumstance.

The following factors will be closely examined by the Financial Aid committee:

Supporting Documents: Applications must include the following documents:

  • Individual Income Tax Returns, Business Tax Returns, and all supporting schedules, including:
    • 2023 IRS Federal Form 1040, Schedule 1, Schedule 2, Schedule 3
    • 2022 IRS Federal Form 1040, Schedule 1, Schedule 2, Schedule 3
    • Supporting documentation for household Nontaxable Income
  • W-2 Wage and Tax Statements
  • Mortgage statement
  • Real estate tax bill (for homeowners)
  • Bank statements (3 months)
  • 401(k) account statements (3 months), as applicable
  • 529 Plan account statements (3 months), as applicable
  • Credit Card statements (3 months)

The Committee will not review applications without the requisite financial documents.

    • Dual-Income Household:  It is expected that families applying for financial aid will have two incomes. If only one spouse is working, please include in the application an explanation as to why.
    • Family Assistance: The committee may take into account assistance from parents, grandparents, siblings or other family members when determining financial needs. This may include family assistance received for camp, smachot, vacations, and any other non-essential discretionary spending. Specifically, the Committee may adjust Financial Aid awards based on such assistance.

    • Excessive Spending: Families that are deemed to be excessively spending on non-essential items, such as vacations, smachot, cars, etc. may be subject to Financial Aid award adjustments, and in some cases, may be fully ineligible for assistance, as determined by the Financial Aid Committee. Large charitable donations may also be considered Excessive Spending, for these purposes. Additionally, spending on home repairs, outside of emergency and “must-do” improvements, may be considered Excessive Spending.

    • Summer Camp: Summer camp expenses, particularly for sleepaway camps, will be reviewed carefully. If an applicant is receiving a scholarship from a camp, this should be disclosed to the financial aid committee.


Instructions for the FACTS application can be found below:

STEP 1 – Login

Login to FACTS.  If you have created a FACTS account to pay tuition at any school at any time, you have an existing account to log in with.  It doesn’t matter what school you were enrolled in at the time that your FACTS account was created.  If you have never enrolled in FACTS, you will need to create an account.   Please see these FAQs from FACTS for help to log in or reset your password.  You can also contact FACTS at 866-441-4637 for assistance.


STEP 2 – Complete Application

  • Choose “Start Application” to apply for Financial Aid.
  • Select the relevant school year term
  • Select “Add School / Organization” on the first page and add all schools where you will have children enrolled for the application year (see more detailed instructions below).
  • The parent completing the application is considered the applicant.  In cases where the parents are married or filing jointly, the second parent is required to be listed as the co-applicant.  Any adult living in the household who financially contributes and/or has expenses in your home must be included on the application as a co-applicant.  Divorced parents would not list each other as a co-applicant if each parent is filing a separate aid application.
  • In the “Additional Questions” section, the first question requires every applicant to submit a written narrative to explain their particular circumstances and why they are applying for aid. The Financial Aid Committee stresses the importance of providing these critical inputs in making a determination, without which, the application is comprised of mere data and numbers devoid of vital color to the circumstances.  For instance, if one spouse is not employed, it is helpful to provide an explanation of any relevant circumstances.


HOW TO ADD SCHOOLS – Please refer to the directions in the "Step-by-step Directions to Apply for Financial Aid" section below to help with your application

Search by zip code or name and then select the participating school.

  • Teaneck schools (07666): Heichal HaTorah, KC KIDS at He’Atid, Ma’ayanot Yeshiva, Torah Academy of Bergen County
  • Englewood schools (07631): Moriah School
  • Paramus schools (07652): Ben Porat Yosef, The Frisch School, Yavneh Academy, Yeshivat Noam
  • River Edge (07661): Yeshiva of North Jersey (RYNJ)
  • Other yeshivot in the tri state area including Central Jersey, Rockland County, Manhattan, Riverdale, Westchester, etc. should be added by searching for them by name or zip code.

If you have children in unlisted schools, colleges or daycares with tuition requirements, you must search by zip code “07666” and select “Other Institution.”  Then you will be able to list the students enrolled in these other places when you get to the students’ page.


STEP 3 – Documentation

Upload your supporting documentation. Your application will not be processed without the required support documents.


STEP 4 – Application Fee

There is a non-refundable application fee of $40.00 per household.  The same application can be applied to multiple institutions using the FACTS Grant & Aid portal for the same single fee.  FACTS accepts all major credit cards (Visa, Master Card, American Express, Discover).   This payment goes directly to FACTS and not to any of the participating schools.  The scholarship committee recognizes an additional fee assessed on the families who are most in need for aid is not ideal, but, unfortunately, this was unavoidable.  The committee will take the financial aid application fee in consideration when making their determination.




If you have any questions regarding the process or timeline please contact the Director of Finance, Rivkie Gunsburg at [email protected].