Education Savings Accounts · In Development

AI literacy research for
the ESA landscape.

Education Savings Account (ESA) programs are the fastest-growing K–12 funding mechanism in the United States — now active in 14+ states and expanding. ZeroBlue research covers ESA program rules, vendor eligibility requirements, and AI literacy integration pathways for ESA-funded families and vendor organizations.

Research in development.
First publications mid-to-late 2026.

ESA programs vary significantly by state — in funding amounts, eligibility requirements, approved expense categories, and vendor approval processes. ZeroBlue research helps ESA families, homeschool associations, and vendor organizations navigate this fragmented landscape with structured state-by-state analysis.

● Currently in active research

ESA research track is in development

This research is scoped for mid-to-late 2026 publication. State-by-state ESA analysis follows the same structured methodology as our K–12 state briefs — drawing on publicly available program documentation, state education authority guidance, and vendor registration records.

Planned research areas

ESA research will address three primary audiences: the parents and families participating in ESA programs, the homeschool associations that advise them, and the vendor organizations serving the ESA market.

For Families

State-by-State ESA Programs

Coverage of all active state ESA programs — funding amounts, eligibility criteria, approved expense categories, and application timelines. Priority coverage: Arizona, Florida, Iowa, Arkansas, Utah, Ohio, West Virginia, Indiana.

For Vendors

Vendor Eligibility Requirements

State-by-state vendor approval requirements for ESA programs — documentation needed, approval timelines, marketplace registration, and accreditation expectations. Critical for education service providers evaluating ESA market entry.

For Associations

Homeschool Association Landscape

Research on state homeschool associations and their relationship to ESA programs — legal requirements for homeschool families, curriculum documentation standards, and AI literacy integration considerations within traditional homeschool frameworks.

For Policy Staff

ESA Policy Trends

National analysis of ESA program expansion patterns, legislative momentum by state, and emerging compliance frameworks. Useful for state policy staff, education advocacy organizations, and federal policy researchers tracking the ESA landscape.

AI Literacy Specific

AI Literacy in ESA Curricula

Analysis of how AI literacy fits within ESA-approved curriculum categories, state-level requirements for structured learning records, and the accountability frameworks that distinguish eligible vs ineligible AI literacy expenditures.

Marketplace Analysis

ESA Marketplace Platforms

Research on state ESA marketplace platforms (ClassWallet, Odyssey, Merit, and state-specific systems) — how they operate, what vendors can expect from each, and how AI literacy credentials fit within marketplace category structures.

Priority requests

ESA research partnership opportunities

Homeschool associations, ESA vendor consortia, state policy staff, and advocacy organizations with specific research needs can request custom ESA research ahead of our public publication schedule. We prioritize research that supports active policy work or market decisions.

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