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While 100 percent subsidies are the exception among Jewish day schools, high tuition forces most campuses to extend financial aid to one-third or more of their students to ensure that no one is turned away who is qualified.

To cope with growing requests for financial aid, as well as routine budget deficits unmet by tuition, day schools around the country are trying an array of creative ideas. Filling annual deficits by fundraising is a heavy duty added to the workload of private school administrators and lay leaders, who are reluctant to scrimp on staff or enrichment programs to meet budget shortfalls.