Earn to Learn is a needs-based scholarship program that teaches financial literacy, and rewards students and families who are committed to saving money to attend ASU, NAU and UA with $4,000 of matching scholarship funding.  Utilizing special matching savings accounts (called Individual Development Accounts or IDAs), qualifying students who make deposits for at least 6 months and meet their $500 savings goal prior to attending one of the three in-state Universities will earn $4,000 in matching funds to pay for tuition, books, and other university related expenses. The matching scholarship is renewable for up to four years depending on on-going funding as long students remain eligible and continue to save $500 each year.

Additionally, the program utilizes coaching for students which includes personal finance training, college readiness training, and ongoing support from the very first day of attending college all the way through graduation.  Students must commit up 10 hours per year to continuing on-line personal finance training and/or in-person workshops.  The use of IDA’s in conjunction with one-on-one coaching has been proven as a way to help individuals and families develop productive financial behaviors that increase the likelihood of program participants to finish college with a degree and less debt, as well as better prepared for post-college careers.

Program Application Process:


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 (IDA) Savings 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 academic related expenses. The total $4,500 is split for two semesters of $2,250.