Home

STUDENTS

Join our 2,500+ talented, responsible and determined savers who are working hard towards achieving a college degree with little to no student loan debt.

INVESTORS & EMPLOYERS

Help our students prepare to graduate workforce-ready by supporting them through matched scholarships, business mentorship, and real-world internships.

COMMUNITY PARTNERS

See how institutions of higher education, high schools and nonprofits work with Earn to Learn to increase the impact our students make in their communities.

ABOUT EARN TO LEARN

We Empower Low-to-Moderate Income Students to Successfully Complete College

Established in 2013, Earn to Learn is the largest and most successful matched-savings scholarship program in the country. It combines student savings with scholarships, financial education, and college success coaching to help low-to moderate-income and under-represented students obtain a college education and graduate workforce-ready with little to no student loan debt.

Income-qualifying students and their families deposit $500 into a savings account each year, then receive an 8:1 match through combined university support and other public and philanthropic funding. This creates $4,500 per academic year in total available funds per academic year for tuition, books, fees and other approved educational related expenses.

INVEST IN OUR SCHOLARS

EARN TO LEARN STUDENT JOURNEY

Pathway to College Success

ENROLLMENT

High school and community college students from low-to-moderate income households apply to program

SUCCESS COACHING

• Personal finance training
• College readiness training
• Workforce readiness training

PUBLIC-PRIVATE MATCH

Multi-investor strategy earns each student an 8-to-1 match on their savings, turning $500 into $4,500 per student per academic year!

STUDENT-LED INVESTMENT

Students save $500 to invest in their own education

COLLEGE ACHIEVEMENT

Students pursue their studies with ongoing support from success coaches, families and higher education resources

GRADUATION!

Nearly 80% of Earn To Learn students are on track to graduate within 6 years with little to no student loan debt (compared to national Pell completion rate of 40%)

ENROLLMENT

High school and community college students from low-to-moderate income households apply to program

SUCCESS COACHING

• Personal finance training
• College readiness training
• Workforce readiness training

STUDENT-LED INVESTMENT

Students save $500 to invest in their own education

PUBLIC-PRIVATE MATCH

Multi-investor strategy earns each student an 8-to-1 match on their savings, turning $500 into $4,500 per student per academic year!

COLLEGE ACHIEVEMENT

Students pursue their studies with ongoing support from success coaches, families and higher education resources

GRADUATION!

Nearly 80% of Earn To Learn students are on track to graduate within 6 years with little to no student loan debt (compared to national Pell completion rate of 40%)

The Earn to Learn Difference

We enlist students as investors in their own education so they’ll have a stake in their success. We empower them with financial literacy to ensure they can navigate their personal financial responsibility and improve their economic mobility. And we support them with college success coaching, business mentorship and workforce development. These Earn to Learn “pillars” comprise a groundbreaking, holistic approach to financial preparation for college with remarkable results.

APPLY TO OUR PROGRAM

Become A Partner In Our Students’ Success

We support students from low-income backgrounds all the way through college completion. And that truly takes a village. We are humbled by the support of all of our existing partners, and excited to invite you to join us in this movement.

FIND YOUR ROLE
Earn to Learn has been amazing and has helped me get to my goals and prepare for my future career. Without this program, there are so many things I wouldn’t have been able to accomplish.

Sabrina

NAU
A personal experience in Earn to Learn has been my adviser (Xavier) checking up on me it was nice to have someone ask me how I was doing because it was hard at the beginning of my college experience, when I did not have many friends, and I was the first in my family to go to college so I was not able to ask questions to my mother. It was nice to have someone call me and ask me how I was doing and if I had any questions.

Juana

NAU
This scholarship has helped me so much, I am so grateful to have this amazing scholarship that not only helped me cover my tuition expense, but provided me with the fundamental knowledge on how to save money and be responsible.

Khaled

UA
While in Earn to Learn I've learned that anything can be possible even if it seems unreal. I want people to know that this program has helped me save not only for the scholarship but even weigh out of I really need to spend money on something if I do not absolutely need it. I have even given my little sister hope that she can go to college just like I am and she never had this kind of hope before. I really want her to have someone to look to because right now I am all she has.

Raven

UA
I have had family difficulties during my time at NAU and I have sustained a 4.0 GPA. I have been able to reach out to my mentor, Deliah, to ask questions and to have my contributions pushed back, which she allowed. I know that if I couldn't count on the $4500 a year, I would have added stress to find funds to cover expenses, repairs, clothes for elementary school practicum, and the other expenses that come with university experiences. I am extremely grateful for having Earn2Learn program assistance!

Nichole

NAU

FIRST GENERATION UNIVERSITY STUDENTS

ETHNIC MINORITIES

MEET MONTHLY SAVINGS GOALS

PURSUE STEM DEGREES