• We consider the full household picture, which will include the taxable and non-taxable income and assets of custodial and non-custodial parents and other guardians and may include the taxable and non-taxable income and assets of stepparents or other adults living in the home, depending on individual family circumstances.
• We don't count equity in your primary home, but we do look at equity in additional properties and other assets, including business holdings, since these represent resources that could help support a family's contribution.
• For a parent or other guardian who isn't currently working but is able to be employed—for instance, not receiving disability benefits or caring for a child younger than Kindergarten age or another dependent—we may estimate a potential income based on their education and background, to reflect their full earning capacity.
• For families with business or rental income, we look beyond taxable income alone. Where deductions lower reported income but resources are still available to the family, we may factor those resources into our assessment.
• Similarly, if a business has operated at a loss for two or more years, we may disallow the loss or add income. 

Furthermore, Horace Mann School admits students of any race, color, religion, sex, gender identity, sexual orientation, national or ethnic origin, or disability status to all the rights, privileges, programs, and activities generally accorded or made available to students at the school. It does not discriminate on the basis of race, color, religion, sex, gender identity, sexual orientation, national or ethnic origin, or disability status in administration of its educational policies, financial aid, athletic or other school-administered programs. 

Below is a sample list of items covered by the Ingenio Non Censio Scholars Program. For certain supports, limits apply and are subject to school approval.

Enrollment, Academic, and Student Life Costs

• Zero cost for tuition
• Zero cost for required school fees
• Zero cost for transportation with HM’s bus partner (where available)
• Zero cost for lunch fees for Nursery/Lower Division
• Zero cost for Chromebooks for Grades 2-5 students (applies to all HM students)
• Zero cost for iPad for Middle Division students (applies to all HM students)
• Lunch allowance for Middle/Upper Division
• Zero cost for required books for Middle/Upper Division
• Zero cost for a Mac Laptop in Upper Division
• Waiver for Clarity Financial Aid Application Fee for Enrolled Aid Recipient Households
• Zero cost for divisional yearbooks (applies to all HM students)
• Zero cost for Varsity letter jackets for senior athletes (applies to all HM students)
• Zero cost for prom tickets (applies to all HM students)
• Parent campus events at no charge (applies to all HM families)

Extracurriculars and Summer Programs

• Zero cost for all on-campus HM Summer Programs
• Zero cost for all HM classroom trips and activities
• Zero cost for Lower Division after-school programs
• Zero cost for required athletic equipment, required apparel, and some other participation-related expenses 
• Zero cost for off-campus Athletics team trips for Varsity athletes and invited JV athletes, including spring training and pre/postseason play
• Zero cost for at least one annual off-campus spring break or summer travel program sponsored by HM for Middle and Upper Division
• Zero cost for up to two Columbia Pre-College Summer Program (funds may transfer to a similar program) for Upper Division

College Preparation

• Zero cost for college application fees, SAT/ACT test fees, and HM test prep program with Compass Prep
• Zero cost for Grade 11 Spring Break College Tour
• Dorm Essentials Gift Card for Graduating Seniors

Although the Ingenio Non Censio Scholars Program is designed to be extremely comprehensive, there may be student costs that arise that are not covered for Ingenio Non Censio Scholars. Examples include: private music lessons offered on campus, transportation that is beyond the routes provided by our HM bus partner, and non school-sponsored summer travel. 

For non school-sponsored summer travel, all currently enrolled sophomores and juniors, regardless of whether they receive any type of financial aid, are eligible to apply for funding through the Lembo Sperling Summer Travel Grant. The grant supports summer travel experiences that open students to new ways of seeing the world, which can be a crucial element in their education. The Lembo Sperling grant will provide that travel opportunity to one or two sophomores and juniors who otherwise might not have access to such experiences. The grant is not limited to students who currently receive financial aid for tuition expenses.

Currently enrolled Financial Aid recipient families whose household income is less than $150,000 will also be eligible for the Ingenio Non Censio Scholars Program for the 2027-28 academic year and beyond. They do not need to do anything other than the standard application for Financial Aid to be considered for the Ingenio Non Censio Scholars Program; they will be notified of eligibility when Financial Aid notifications are sent.

Currently enrolled Financial Aid recipient families who earn more than $150,000 should not anticipate a significant (positive or negative) change for 2027-28 unless their financial circumstances change. They will need to continue to complete the required Aid materials each year they wish to be considered for Aid.

Families who enter the school with the Ingenio Non Censio Scholars Program may cease to qualify for this program if their income increases in a later year; they may still be eligible for Aid but be asked to pay some portion of the tuition.

Families who earn more than $150,000 may also qualify for a full tuition Aid award based upon their application materials and family circumstances.