Earn to Learn History

Earn to Learn is a revolutionary “savings to scholarship” program that empowers low- to moderate-income students in Arizona to successfully complete college through matched-savings scholarships, financial capability education, and success coaching. Eligible students who complete the personal finance training program and establish a habit of savings by making a minimum of six consecutive deposits totaling $500 in an Individual Development Account can receive an 8:1 match on their savings, up to $4,000 per academic year. These funds can be applied to tuition and tuition-related costs at Arizona State University, Northern Arizona University, or the University of Arizona.

Earn to Learn is a collaborative effort between the Arizona Board of Regents, ASU, NAU, UA and the federal Department of Health and Human Services. It is designed to provide students with the opportunity, incentive, education and support critical to become a successful college student. The program is supported by financial institutions, businesses, nonprofits, educators, credit counselors and others committed to enhancing the economic well-being of Arizonans. These organizations recognize that higher education is the primary mechanism of upward economic mobility for low-income individuals and is essential to reducing poverty and improving local communities.

Earn to Learn students and their families:

  • Earn $4,000 toward college tuition through their savings commitment per academic year;
  • Receive college and workforce readiness training and ongoing academic support;
  • Develop financial capability and stability;
  • Identify financial goals, create personalized budgets, and learn about credit;
  • Receive ongoing support and connections to available resources throughout their time in high school and college.

Earn to Learn was founded in 2008 by Kate Hoffman under the name “Live the Solution.” Kate’s dream was to empower individuals to become financially competent and build lifelong assets such as education and homeownership by developing the habit of saving in an Individual Development Account.

When Kate learned about Assets for Independence, a program of the U.S. Department of Health and Social Services, she had the idea that our state universities could apply for these funds and bring millions of dollars in assets to the table for struggling college students and their families. The joint application of Earn to Learn and the Arizona universities for these dollars was the first time in the history of the Assets for Independence program that a state public university system applied directly to, and was funded by, the federal program.

Since January 2013, Earn to Learn has focused solely on college education and has procured over $8.5 million in new federal funding for the state of Arizona. With the partner universities matching these federal monies dollar-for-dollar, the total scholarship pool is nearly $17 million. As a result, Earn to Learn is now the largest education matched-savings scholarship program funded by the U.S. Department of Health and Human Services in the nation, and has the capacity to offer an unprecedented 3,600 scholarships to students in need through 2020.

With the focus on college education and the flagship program, in 2015 Live the Solution was re-named and branded Earn to Learn. The organization has caught the attention of policy makers, legislators, educators, funders and change agents across the country as a model program for changing the face of needs-based financial aid and giving families a pathway out of poverty through college education.

Southern Arizona Region

The Southern Region is made up of students from Cochise, Graham, Greenlee, La Paz, Pima, Pinal, Santa Cruz and Yuma Counties. Our Southern Regional Office is located in Tucson ... View All Southern Arizona Region Info

Central Arizona Region

The Central Region is made up of students from Gila and Maricopa Counties. Our Central Regional Office is located in Phoenix ... View All Central Arizona Region Info

Northern Arizona Region

The Northern Region is made up of students from Apache, Coconino, Mohave, Navajo and Yavapai Counties. Our Northern Regional Office is located in Flagstaff ... View All Northern Arizona Region Info