Earn to Learn is a needs-based scholarship program that teaches financial literacy and rewards students and families committed to saving money to attend ASU, NAU and UA with $4,000 of matching scholarship funding. Using matched-savings accounts, qualifying students who make deposits for at least six months and meet their $500 savings goal before attending one of the three in-state universities will earn $4,000 in matching funds to pay for tuition and fees. The matching scholarship is renewable depending on ongoing funding as long as students remain eligible and continue to save $500 each year.

The program also offers coaching for students including personal finance training, college readiness training, and ongoing support — from the very first day of attending college all the way to graduation. Students must commit up to 10 hours per year to continuing online personal finance training and/or in-person workshops. The use of matched-savings accounts in conjunction with one-on-one coaching is a proven way to help individuals and families develop  financial behaviors that increase the likelihood of finishing college with a degree, ready to enter the workforce, with little to no student loan debt.

Program Application Process:

1: Pre-Application

Before completing the Pre-Application, please check Earn to Learn Eligibility Requirements. Click here to view deadlines and begin the Early Interest or Pre-Application Form.

2: Personal Finance Training

You are required to take an online Personal Finance Training through Financial Literacy 101. This is an introduction to Financial Literacy and Education. The course is automatically emailed to you after completing the Pre-Application. Please check your email regularly.  

3: Eligibility Appointment

After completing the Personal Finance Training, you will be directed to an online applicant portal to submit your documents. Then you will be contacted by one of Earn to Learn’s success coaches to attend an eligibility appointment. During this phone appointment you will learn more about the Earn to Learn scholarship and review your documents. 

4: Income Verification

The Earn to Learn team will look at your application and supporting documents to confirm eligibility.

5: Enrollment Appointment

After being approved for Earn to Learn through Income Verification, you are required to meet with a success coach to officially become an Earn to Learn saver! You will fill out a savings plan with your success coach and learn all the rules of the Earn to Learn program. You will also be given all the information and paperwork to open a Matched Savings Account and begin saving.

6: Continue Saving!

You will have your own savings plan, with amount needed to save, savings term, and savings due date. You will set up an individual savings plan, depending on savings abilities. You must save for at least six consecutive months and reach $500 each year.

Receiving Your Earn to Learn Scholarship:

Each semester the Earn to Learn team will send your scholarship directly to the university of your choice (ASU, NAU or UA) for tuition and fees. The total $4,500 is split into two semesters of $2,250 each.