Planning Ahead for an Affordable Summer

Insider_Affording1

(©iStockphoto.com/filo)

For many parents, sending their kids to a summer camp, either day or overnight, is a luxury at first glance. However, with a little extra planning, that crucial summer experience can be within reach. A variety of resources are at the disposal of parents to ensure that their child has an incredible summer experience.

Where to Start Looking?

The first place to begin looking for financial aid is at the very summer camp where you wish to send your child. More often than not, scholarships are provided through the camps themselves.

“We are fortunate to live in a community that has resources both for scholarship and incentive grants. We always suggest reaching out directly to the camp. Things like that are often off of people’s radars,” said Janna Zuckerman, senior planning associate and program manager with the Center for Jewish Camping, an agency of The Associated: Jewish Community Federation of Baltimore. “Local camps give out thousands of dollars in scholarships a year. Often, families are uncertain and will hesitate or won’t even ask, thinking it is out of reach.”

Additionally, financial aid is frequently offered through local institutions, which will often set aside funds for a specific cause with which they associate. For example, churches or synagogues may offer need-based scholarships to the camps they sponsor.

A school counselor is also a great resource to help parents. Working one-on-one with a counselor who is familiar with your child’s needs is a good way to find an accommodating camp.

Regardless of where you decide to seek out financial assistance, time is important. Most camps have limited funding as far as scholarships; the earlier you apply, the more likely you will qualify for help.

Need-Based vs. Flat Rate

Financial aid can come in two forms. Most commonly, camps provide financial aid based on need. The application process for need-based scholarships involves submitting information such as tax and income records.

Summer camp programs offered through the local YMCA are a prime example. Lana Smith, director of the Y in downtown Baltimore, explained, “Our guidelines for parents help us find out who is really in need. Once we weigh information about income and circumstances, we can evaluate how much they can receive.”

Recipients of scholarships from the Y can benefit from between 10 percent and 90 percent of the total cost of the camp. In addition to traditional camp programs, the Y offers specialty summer programming such as Science, Technology, Engineering and Math (STEM) educational programs and teen adventure camps. And, the camp works with a third-party pay group called the Child Care Subsidy program through the Department of Social Services to provide further financial aid.

Financial aid can also come at a flat rate, depending on factors such as how long the child will attend a camp. PJ Goes to Camp is an example of a local initiative that offers such scholarships.

“One of the biggest issues facing camping today is affordability,” said Mark Gold, director of the PJ Goes to Camp, a funder of the Federation for Jewish Camping’s One Happy Camper program.

The One Happy Camper program is a collaboration between PJ Goes to Camp and 43 other funders nationally. Typically, groups each cover their own region, but PJ Goes to Camp is a unique entity in that it includes gaps not covered by other regions.

Unlike other organizations that might offer need-based scholarships, PJ Goes to Camp has a simple, straightforward system that awards flat rates to all applicants. Gold explained: “A grant requires a minimum stay at camp for 12 days. For camp sessions between 12 and 18 days, we provide $700. For campers attending for 19 days or longer, we provide $1,000.

“[Affordability] impacts camps as much as it impacts parents,” he added. “In our experience, first-time campers are the ones who look to us for grants. Second- or third- year campers though, if they have had an incredible camping experience, a parent might really want to send them back for another amazing summer at the same camp. A lot of camps have separate scholarship funds. Our program is designed as an incentive to get first-time campers who will continue to go back.”

With such a large reach, the program receives a lot of inquiries from individuals who might not be aware that they are eligible for a grant in a different region. In addition to providing financial aid in its own territory, PJ Goes to Camp helps to point such individuals toward a different, more suitable source of aid from within the larger organization.

Stephen Goldstein, senior vice president of Scheinker Investment Partners, reminds parents of yet another route for getting kids to summer camp, which may take more time and planning, but can be effective nonetheless. According to Goldstein: “Other nonprofit organizations and community institutions are a good place for aid, but the best way to send a kid to camp is to save. Once the child is born, you should be putting away money in a savings account.”

dnozick@midatlanticmedia.com

Leave a Reply

Your email address will not be published. Required fields are marked *