5 Loaves Consulting

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5 Loaves Consulting

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  • Welcome
  • Fundraising
  • Leadership Resources
  • Homeschooling in Texas
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    • Welcome
    • Fundraising
    • Leadership Resources
    • Homeschooling in Texas
    • About
  • Welcome
  • Fundraising
  • Leadership Resources
  • Homeschooling in Texas
  • About

Homeschooling in Texas: TEFA, Co-Ops, and your Next Steps

Texas Education Freedom Accounts

Homeschooling in Texas has always offered families flexibility, community, and a chance to build something better for their children. With the rollout of Texas Education Freedom Accounts (TEFA), families and co-ops now have new opportunities and new responsibilities.


This page gives you clear, practical information so you can make strong decisions without getting overwhelmed. If you need hands-on support, 5 Loaves Consulting is here to guide you.

What is TEFA?

Understanding Texas Education Freedom Accounts (TEFA)


Beginning in the 2026–27 school year, Texas families may receive state-funded support for educational expenses.


Funding amounts include:
• Homeschool students: $2,000
• Private school students: $10,300–$10,800
• Students with disabilities: up to $30,000


Funds may be used for curriculum, tutoring, online courses, hybrid co-op programs, and education services from approved providers.

How TEFA Impacts Homeschoooling

How TEFA Affects Homeschool Families
• Helps offset curriculum, materials, tutoring, and dual-credit costs
• Gives families more access to enrichment and academic support
• Requires spending through approved vendors
• Does not convert a homeschooler into a private-school student
• Still preserves family autonomy


How TEFA Affects Homeschool Co-Ops
• Potential new revenue through approved vendor status
• More affordability for families joining your co-op
• Opportunities for expansion into hybrid or microschool models
• New administrative requirements for compliance and documentation

This is a moment for co-ops to strengthen their operations and prepare for growth.

For Co-Op Leaders & Churches

TEFA Readiness
• Eligibility review
• Vendor approval guidance
• Compliance checklists


Operations and Structure
• Tuition and pricing models
• Teacher agreements
• Policy handbooks
• Safety and administrative procedures


Growth and Enrollment

• New program design
• Hybrid model development
• Marketing and communication support
• Parent information sessions

Family Tools

Resources for Homeschool Families
• TEFA Application Guidance
• Approved Expense List
• Budget & Curriculum Planning Template
• Family TEFA Cost Calculator
• Workshops: “How TEFA Works for Homeschoolers”

Why Families and Co-Ops Choose 5 Loaves

You get clear direction, honest guidance, and solutions tailored to your community. Homeschooling is a calling, and strong leadership matters. TEFA is new and confusing for many families — but it doesn’t have to be.


We help you navigate this with confidence so you can focus on what actually matters: forming children in wisdom, virtue, and strong academics.

Service Packages

Starter Package
Perfect for small co-ops and new groups.
Includes readiness review, basic vendor templates, and one strategy session.


Growth Package (Most Popular)
Designed for co-ops preparing for TEFA.
Vendor approval support, tuition strategy, compliance tools, and parent workshops.


Premier Package
For hybrid programs and emerging microschools.
Policy development, curriculum mapping, safety protocols, 6-month coaching.

Ready to Prepare for TEFA? Let's Build Something Strong.

Schedule a consultation or request information.


Email: georgina@5loavesconsulting.com

You deserve clear guidance. Your families deserve strong leadership. I can help you get there.

Texas Homeschool & Co-Op Leadership Resources

Looking for clarity on funding opportunities, Texas education policy, and practical tools to support your homeschool or co-op community? These curated Google Docs are designed to give families and organizers quick access to reliable resources. Whether you’re just starting out or building a thriving network, you’ll find guidance here to help your leadership grow with confidence and purpose.

Homeschooling in Texas: What Families Need to Know About TEA

In Texas, homeschooling is legally considered private schooling. That gives families a lot of freedom and flexibility, but it also means the Texas Education Agency (TEA) does not provide free curriculum, laptops, or direct funding for independent homeschoolers.

Still, there are two main paths families can take. 👉🏼 Read more

Key New Education Laws in Texas and Their Impact on Homeschoolers & Cop-Ops/Hybrids

This guide breaks down the most recent Texas education laws and what they mean for homeschool families, co-ops, hybrid models, and private Christian schools. From Education Savings Accounts (ESAs) and homeschooling protections to new religious rights legislation, the document explains the opportunities, limits, and cultural shifts shaping education in Texas. It’s a practical overview to help leaders and families understand funding options, legal freedoms, and what to expect as policies roll out in the coming years. 👉🏼 Read more

Texas Homeschool High School Course Checklist (Grades 9–12)

This practical checklist helps homeschool families plan and track high school coursework year by year. Aligned with typical graduation and college-prep expectations, it covers core subjects, electives, and service opportunities; making it easy to keep records for transcripts, scholarships, and future goals. A simple, flexible tool for both parents and students to stay organized and on track through the high school journey. 👉🏼 Review & Print

Texas Homeschooling: Family-Friendly Resource Guide

This guide brings together the most important information and resources for homeschooling families in Texas. It summarizes state requirements, helpful TEA (Texas Education Agency) links, and graduation planning tips to help parents support their students from high school through college and career. 👉🏼 Read more

Affordable Homeschool Resources for Families

Homeschooling is a big step, and while it can be rewarding, the costs for curriculum, technology, books, and memberships can feel overwhelming. The good news is there is real support out there to help families make homeschooling more affordable.  👉🏼 Read more

Tech Resource Guide for Homeschool Families in Texas

Technology should never be the reason a child can’t learn at home. Laptops, internet, and hotspots can get expensive, but families across Texas do have real options for free or affordable access. 👉🏼 Read more

  • Welcome
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  • Homeschooling in Texas

5 Loaves Consulting

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