Florida Funded Enrollment (Family Version)
You lead your child's education at home. Florida's Personalized Education Program (PEP) gives your family an education savings account — roughly $7,800–$8,500 a year — that you can direct toward the courses and services you choose. Bring a few subjects to Calvary Prep, keep the rest at home, and build whatever balance works best for your student.
Think of us as a partner you can lean on for the subjects where a little more structure, expertise, or one-on-one attention would help — while you stay your child's primary teacher and guide.
Mix and match whatever your homeschool needs this year:
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Individual courses
English, math, Bible, science, social studies, Spanish, French, and a range of electives — taught at your student's pace.
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Academic advising
Graduation planning, course selection, and college & career guidance from someone who knows the road ahead.
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Assessments & placement
Testing that helps you see where your student stands and plan confidently for what's next.
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Curriculum & materials
Quality resources you can use across your homeschool, not just in our courses.
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Every course is delivered one-on-one by an experienced, credentialed teacher who shares your values. Calvary Prep is a WASC-accredited Christian school with NCAA- and a–g-approved coursework, so the learning is rigorous and the relationships are real. Your student is known here, not just enrolled.
Many families use Calvary Prep part-time for a season. When graduation comes into view, you have a choice worth knowing about: your student can enroll full-time with us for their senior year and earn a fully accredited (WASC) CPA diploma.
The best part — the credits your student has already earned aren't wasted. Coursework completed with us and at other accredited schools can be brought into a personalized graduation plan, so your student gets full credit for the work they've done on the way here.
A note on cost: the full-time senior year is a private-pay choice — tuition is out of pocket rather than PEP-funded — because full-time enrollment and PEP support are two separate paths. Our team will walk you through exactly what your student needs to graduate and what the year would cost, so you can decide with clear eyes.
PEP is designed to support you as your child's primary educator, with part-time, supplemental help — so while your student is on PEP, you remain the home educator of record and choose the services that fit. Your funds go directly toward the courses and support you select through your scholarship account, and we keep everything clearly itemized and simple to follow.
If the full-time senior-year diploma path is something you'd like, we'll help you understand how that transition works and plan the timing together.
| 1 | Reach out. Tell us about your student and what your homeschool needs this year. |
| 2 | Build a plan. We help you pick the courses and services that fit — and map toward graduation if that's a goal. |
| 3 | Connect your funds. We walk you through selecting Calvary Prep for the services you've chosen. |
| 4 | Start learning. Your student begins with a teacher who's ready to know and invest in them. |
Calvary Preparatory Academy — flexible, faith-centered learning for Florida families. We'd love to help you build the year that's right for your student.
Scholarship amounts and program rules are set by the state of Florida and administered by Step Up for Students; your family's specifics are confirmed through your scholarship account. Reach out and we'll help you sort out the details.
1. Florida Funded Enrollment
A part-time home for
Florida PEP families.
A compliant supplemental-provider model that lets home-educated Florida students spend their Personalized Education Program funds on real CPA coursework — without ever crossing the line that would cost them the scholarship.
The honest version of the plan
The earlier concept — enroll a student full-time at CPA while presenting them to Florida as a part-time homeschooler — cannot work, and pursuing it would put families' scholarships and CPA's standing at risk. Florida draws one hard line, and the entire model has to sit cleanly on the right side of it.
What does work is genuinely good business: CPA operates as an approved part-time service provider to home-educated PEP students. The parent directs the education and is the school of record; CPA sells individual courses and eligible support services that families pay for with PEP funds, plus anything extra out of pocket. It scales, it's defensible, and it fits CPA's existing part-time tier almost exactly.
One rule the whole model obeys
PEP eligibility rests on a single bright-line requirement: the student cannot be enrolled full-time in a public or private school. A PEP student is, by statute, one whose instruction is directed by the parent — the parent satisfies the compulsory-attendance requirement, not CPA. Step Up is explicit that PEP families may not use the full-time school-enrollment function in the EMA platform; that function is for full-time, in-person learners only.
Is CPA supplementing this family's homeschool, or replacing it?
Supplementing is fundable. Replacing is not. If CPA is functioning as the student's full-time school — full course load, diploma track, school of record — the student is a full-time private-school student and is categorically ineligible for PEP, and the scholarship is forfeited if the state finds the full-time enrollment.
Genuine part-time
Parent is school of record and files the Student Learning Plan. CPA delivers a limited set of courses (up to five, as a hard ceiling) and eligible support services. The family covers the rest of the education themselves. CPA issues course-completion records, not a full CPA diploma.
Full-time in disguise
Student carries a full CPA course load on a CPA diploma track while paperwork calls them "part-time homeschool" to unlock funds. This is a misrepresentation of enrollment status — the discrepancy is the violation, not a formatting problem to solve.
There is a separate, legitimate lane — the PEP-Hybrid eligible private school — but it requires in-person attendance at least two full days per week at an FLDOE-approved Florida location. An online California school can't meet that, so it isn't the route for CPA today.
Where the real risk sits
The part-time-provider model is well-trodden — providers across Florida run it. The risks are concrete and manageable, and each one maps to a specific safeguard.
Provider approval comes first
To receive PEP funds by direct pay through the EMA Marketplace, CPA must appear as an Approved provider. Families can only route funds to approved providers; an unapproved listing means families front the cost and chase reimbursement, which stalls enrollment. Confirm CPA's path to provider approval with Step Up before marketing anything. As an out-of-state online provider, expect extra scrutiny of qualifications.
Eligible services catalog
PEP funds cover a broad range of parent-directed educational expenses, and CPA can itemize each one as its own line. The test for every fee: does it correspond to an educational service actually delivered to the student? If yes, it's a candidate; if it's a charge for handling money or paperwork, it isn't. Confirm current eligibility against the year's Step Up PEP Purchasing Guide before listing.
| Service | PEP eligible | How CPA offers it |
|---|---|---|
| Individual course instruction (part-time) | Yes | EMA Marketplace listings, priced per course — core of the model |
| Course bundles (up to 5 courses) | Yes | Packaged part-time tutoring; five is the ceiling, held short of a full load |
| Assessment & placement administration | Yes | Norm-referenced / placement testing as a per-student line item |
| Academic advising / Choice Navigator | Yes | Graduation planning, course selection, college & career — per session or package; must meet navigator credential rules |
| Progress monitoring / academic counseling | Yes | Billed within tutoring or as a Navigator service — document the educational purpose |
| Curriculum & instructional materials | Yes | Via MyScholarShop or reimbursement — billed separately from tutoring |
| Annual educational evaluation | Yes | By a qualified teacher; supports the family's renewal |
| Academic records / transcript fee | Case by case | Defensible only when tied to educational records for courses delivered |
| Electives & enrichment | Case by case | Fundable when tied to an approved educational purpose; document the benefit |
| Registration / administrative fee | Private pay | CPA's existing enrollment fee — charge families out of pocket, never draw it from PEP |
| "Voucher oversight" / account-handling fee | No | Not an educational service to the student — administering the scholarship is the SFO's role, not a fundable expense |
| Full-time CPA diploma track | No | Private-pay only, outside PEP — cannot be funded for a PEP student |
Pricing and revenue
The design principle is simple: fund what's genuinely part-time through PEP, invoice everything else privately, and never let the two touch. Price funded courses at or slightly below CPA's current single-course rate to stay competitive in the Marketplace; reserve bundle discounts for private-pay families adding a fifth or sixth course.
Scaling strategy
The online model carries low marginal cost, so scale comes from volume and provider reputation rather than fixed overhead. Get approved, seed a strong first cohort, and let the Marketplace listing and Florida homeschool networks compound. Prioritize high-enrollment cores — English, Math, Bible, Spanish — where CPA's staff coverage is deepest, and add electives as demand proves out. Florida's PEP program is authorized to serve up to 140,000 students in 2026–27, so the ceiling on demand is not the constraint; approval and delivery quality are.
Four phases to launch
Get approved & documented
- Apply for CPA provider approval with Step Up / EMA; confirm the out-of-state online provider requirements up front.
- Assemble instructor credential files by subject — real degrees, credentials, or documented mastery per course.
- Draft a Florida-specific "PEP Supplemental Services Agreement" stating CPA's part-time role and the parent's status as school of record.
Build the Marketplace listing
- List individual courses, bundles of up to five courses, and add-ons (assessment administration, advising sessions, evaluation).
- Set funded pricing at or just below the current single-course rate; keep private-pay pricing on a separate sheet.
- Map each course to its qualified instructor with proof attached — prioritize the cores.
Reach Florida families
- Publish a "Florida PEP Families" page framing CPA as flexible part-time support for your homeschool.
- Use direct-pay through EMA for funded courses; use the existing GivingFuel link only for clearly separated private-pay items.
- Promote through Florida homeschool and Christian networks where PEP families already gather.
Teach, record, renew
- Deliver the same one-on-one instruction CPA already runs — no change to the model.
- Invoice funded courses via EMA and private courses via GivingFuel, on separate invoices, every time.
- Provide course-completion records supporting the parent's Learning Plan and annual evaluation.
Who can teach what
CPA's team covers nearly every core for part-time delivery. For the EMA listing, attach credential proof per subject. Coverage strength below reflects degrees, credentials, and documented experience — verify transcripts before listing advanced courses.
| Subject | Primary instructors | Coverage |
|---|---|---|
| English / Language Arts | Carol Robinson, Angela Witt, Kelly Cammarano, Jaime Russell | Excellent |
| Bible / Theology | Clint Kyle, Jared Beck, Kelly Cammarano | Outstanding |
| Mathematics | Nicole Paynter, Katie Fankhauser, Britt Richie-Zavaleta, Jaime Russell | Very strong |
| Social Science / History | Jared Beck, Kelly Cammarano | Strong |
| Science | Kelly Cammarano, Ashley Yim, Angela Witt, Jaime Russell | Verify for advanced |
| Spanish | Nadia Arriaga | Excellent |
| French | Lisa St. Clair | Strong (mastery) |
| Electives / Tech / PE | Nicole Paynter, Laury White, general staff | Document experience |
| College & Career (Navigator) | Nicole Paynter, Jared Beck | Meet navigator rules |
Legal & compliance checklist
- Confirm provider approval and the out-of-state online-provider requirements directly with Step Up for Students provider support.
- Have a Florida education attorney review the Supplemental Services Agreement and the funded-vs-private billing separation before launch.
- Write the "part-time, parent as school of record" language into every contract, invoice, and marketing page — no ambiguity.
- Keep funded and private-pay invoices physically separate; never credit or rebate PEP funds toward private tuition.
- Charge PEP only for services delivered to the student; put registration or account-handling fees on the private-pay side — never bill "voucher oversight" to the ESA.
- Do not market or record PEP students as full-time CPA enrollees or issue them a CPA diploma through the part-time model.
- Document instructor qualifications per subject and re-verify against the current year's PEP Purchasing Guide each cycle.
- Support families' annual obligations: Student Learning Plan on file, norm-referenced testing arranged, evaluation completed before renewal.