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 special matched-savings accounts (called Individual Development Accounts, or IDAs) 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, books, and other approved expenses. The matching scholarship is renewable for up to four years 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:

Pre-Application

Before completing the Pre-Application, please check Earn to Learn Eligibility Requirements. To begin the Pre-Application, click here.

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.  

Interview Appointment

After completing the Personal Finance Training, you will be contacted by one of Earn to Learn’s success coaches to attend an interview. During this interview, you and your household will complete an application and turn in supporting documents with a success coach, learn all the details of Earn to Learn, and ask any questions. (list of documents needed

Income Verification

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

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 an Individual Development Account and begin saving.

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 approved academic-related expenses. The total $4,500 is split into two semesters of $2,250 each.

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