In 2025, Congress created the first federal tax credit for K–12 scholarship donations — the Education Freedom Tax Credit (IRC §25F) — effective January 1, 2027. Scholar Street is registered to operate in multiple states and is building its footprint ahead of the January 1, 2027 launch.
A federal tax credit per taxpayer, not a deduction. Nonrefundable, with a five-year carryforward if your liability is smaller than your gift. Treasury has not yet issued guidance on how the cap applies to joint returns.
Any individual with U.S. federal tax liability can claim the credit. There is no income ceiling for donors, and no phase-out. Cash gifts only.
Scholarship eligibility reaches households up to 300% of area median income — a threshold that includes a wide range of working families.