Earn to Learn

  • Earn to Learn
  • Earn to Learn
  • Earn to Learn
  • Earn to Learn

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 NAU 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 NAU 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 one-on-one coaching for students which includes personal finance training, college readiness training, and ongoing support from the very first day of attending NAU all the way through graduation. 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.

Who is eligible?

The basic requirements are as follow. A student must:
  • Be a U.S. Citizen and an Arizona resident 
  • Be a high school senior, community college transfer, or a current NAU Native American undergraduate
  • At least 18 years of age or if under the age of 18, a parent or guardian must co-apply with you. Exceptions include:
    • Emancipated teens
    • Teens in Arizona’s foster care system
  • Have a social security or federal tax identification number
  • Be a part of a household in which someone has earned income from full or part-time work (such as a spouse, partner, guardian, family member, or parent)
  • Be part of a household whose gross income is at or below 200% of the federal poverty level based on household size OR within Federal Earned Income Tax Credit (EITC) limits (click on the “eligibility” link below and scroll down to see income eligibility chart)
For a full list of the program’s minimum eligibility and program requirements as well as definitions of earned income, interested students should visit http://earntolearn.org/eligibility/.
  • Scholarship is for students planning to attend the NAU Flagstaff Mountain Campus for their undergraduate degree

Program Goals

The goals of the program, in addition to helping students and their families pay for the cost of attendance at NAU, are:
  • To prepare students for the rigors of college through college readiness training
  • To teach students how to take control of their finances and  make informed financial decisions
  • To help families establish adequate emergency savings
  • To help students understand credit and establish a beneficial credit profile

Additional information

Contact Information:

Earn to Learn Program Coordinators

Delia Withey

Northern Arizona Regional Lead
Success Coach- Enrollment Specialist


(928) 707-3832
Earn to Learn


Learn more about Earn to Learn at http://www.azearntolearn.org