Questions? We’ve Got Answers!

To see questions related to a specific category, select one of the options below:

Do I have to be full-time at the university to receive this scholarship?

Yes. To be eligible for Earn to Learn, you must maintain a a minimum of 12 credits at either the University of Arizona, Arizona State University, or Northern Arizona University. Contact a Success Coach in your region if you are currently enrolled in Earn to Learn and have additional questions about this requirement.

Outside of the Scholarship, what other services does Earn to Learn provide?

Earn to Learn provides support to all Earn to Learn students from the first day of college to graduation.  These services include one-on-one Success Coaching to students who want extra assistance meeting educational or financial goals, social events, networking opportunities with local employers near each of the three universities, and volunteer opportunities.  Earn to Learn also requires all students to complete 12 hours of personal finance training online.  Finally, Earn to Learn can work with both applicant and student savers individually to refer them to additional supports at the university or in the community that can help them attain success in higher education. 

How much do I need to save each month?

You will set up a savings plan with your Success Coach each year you are in Earn to Learn and agree to adhere to that plan by signing the terms and conditions of Earn to Learn. The minimum deposit amount is $25 and the maximum is $84.

What does matching savings account mean?

Earn to Learn offers an 8:1 savings match, meaning that for every $1 you save as part of the program, you are eligible to receive another $8. So when you save $500, you will be eligible for a $4,000 match.

What is an IDA?

An Individual Development Account, or IDA, is a special matched savings account. These accounts are designed to help families and individuals of modest means establish a pattern of regular saving to purchase a productive asset – with Earn to Learn that asset is a post-secondary education.

Can I deposit electronically?

Earn to Learn partners with three financial institutions that offer no-fee accounts to participating students: Vantage West, Hughes Federal Credit Union, and Alliance Bank of Arizona.  Each financial institution has a variety of services available to students.  Please visit our financial institutions page to learn more about these three partners!

What if I cannot attend my eligibility appointment in person?

Earn to Learn has offices in Flagstaff, Phoenix, and Tucson.  If you are located close enough to our offices, our staff will work around your schedule.  If you are located far from our offices, let us know and we can discuss some options! Students from all over Arizona enroll in our program!  

Can siblings apply?

Yes! If your siblings meet the eligibility requirements too!

I live on-campus. I have a job. Do I still need to include my parents for the application process?

If you are claimed by another person and are not fully living on your own, you must apply with your household.

I live with my parents but they do not support me financially. Can I apply on my own?

For Earn to Learn, along with our funders, a household must meet the income and net worth requirements when applying to the program. “Household” means all individuals who share use of a dwelling unit as primary quarters for living and eating separate from other individuals.

What if I am already enrolled at a state university?

Students already enrolled at a state university cannot apply for Earn to Learn.  The only exception are Native American students enrolled at NAU.  These students are encouraged to apply. 

Why do I need to provide my credit report? If I have bad credit score, can I be declined?

Earn to Learn sometimes uses credit reports because they provide a full list of all assets and debts in the household.  While we can also collect individual debt statements, such as a mortgage statement, or asset statements, such as a bank account statement; for some households it is simpler to provide a credit report instead. Earn to Learn does not look at credit scores and credit status or scores do not impact a student’s eligibility for the program.  For more information on the documents that we collect, please review this guide

Do I have to be a high school senior to apply?

No. Earn to Learn is available for any high schools students or community college transfer students that are interested in attending ASU, NAU, or UA in the time frame for which the Earn to Learn application is open.  To see current deadlines, please visit our deadlines page

I am a Dreamer or DACA student, can I apply?

No. Undocumented students, including DACA students and Dreamers, are not eligible for federal student aid. However, you may be eligible for state or college financial aid so check with each school you are applying to and visit Scholarships AZ for a listing of scholarships available to students regardless of immigration status.

My parents are not legal residents of Arizona. Can I still apply/qualify?

Yes. As long as a student is an Arizona resident and are eligible for the FAFSA, that student can apply for Earn to Learn! (see eligibility) Earn to Learn does not collect identification, social security numbers, or information about the residency or citizenship status for any other members of the household except for the student applying. 

What if my family’s financial situation changes after I’ve been enrolled in the program? Could I lose my scholarship?

Earn to Learn students must maintain an Expected Family Contribution of $6,000 or less while enrolled in the program.  If your household’s financial situation changes, please contact us directly so we can best assist you. 

Am I still eligible for the scholarship if I already have a full ride?

Earn to Learn works in conjunction with other financial aid and scholarships. If you meet Earn to Learn and university requirements and eligibility, you will remain eligible for Earn to Learn

I’m not sure when and which school I plan to attend. Do I need to be accepted by the university before applying for the scholarship?

You can be accepted to Earn to Learn before being accepted to the university. You will receive your scholarship once accepted and enrolled at one of our partner universities.

What colleges or universities can I use Earn to Learn at?

Arizona State University (ASU), Northern Arizona University (NAU) University of Arizona (UA)

What if I’m hoping to attend college out of state, can I still apply for E2L?

Earn to Learn prioritizes students hoping to attend ASU, NAU or UA. If you are planning to attend one of these universities as a first or second choice, please apply here.

What happens if I have started saving, but end up going to an out-of-state school?

Your full savings will be returned to you. You will not receive the matched scholarship.

What will my Earn to Learn scholarship cover?

Your savings and scholarship funds will be applied to tuition and fees at your chosen university.

Can I apply my Earn to Learn Scholarship to Community College?

No. We are funded in part by the three state universities. You are only permitted to utilize Earn to Learn at ASU, NAU or UA.

What If I decide to go to Community College first?

Students wishing to transfer from Community College to ASU, NAU or UA are eligible for Earn to Learn.

Can I just deposit the full $500 into the IDA account without having to save it monthly?

No. You must save for a minimum of 6 consecutive months prior to receiving any funds and/or the start of each year  at your chosen university.

What if I cannot save $500?

You will have at least six months to save he $500. Your Success Coach will help you set up a Savings Plan with your monthly savings goal to reach $500.

Can I save more than $500?

Yes. You are encouraged to remain in the Earn to Learn program every year you are at our Partner Universities! Every year you can save $500 to be matched with $4,000!

What if I miss my monthly deposit?

Prior communication and approval from a Success Coach is required before the 15th of the month of a potential missed deposit. If you fail to make a monthly deposit to my IDA, without prior notice to an Earn to Learn Staff and completion of a Saver Plan of Action, it may result in your immediate termination from the Earn to Learn Program.

Will I have funding for all four years?

Earn to Learn 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

What happens with the $500 that I save each year?

Your $500 will be applied to the costs of attending the university. Each year you save $500 and attend Arizona State University, the University of Arizona, or Northern Arizona University, you will received an 8:1 match ($4,000) scholarship. The $500 will be wired to the university of your choice.

How will I be receiving my Earn to Learn scholarship?

Once you apply and are accepted to Earn to Learn, you will save $500 over the course of a year. Your savings will be match 8:1. Your scholarship will be applied over the course of two semesters in any given academic year. You will receive half of the disbursement in the first semester at the university and half at the second semester at the university. Your savings and scholarship will be directly wire transferred to the university

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