Financial Aid & Scholarships

Are school choice scholarships like Step Up for Students for college?

No. Step Up for Students (Florida), the Opportunity Scholarship (North Carolina), the Hope Scholarship (West Virginia), the Promise Scholarship and GOAL (Georgia) and Empowerment Scholarship Accounts (Arizona) pay for K-12 education such as private school tuition or homeschool costs. None of them pays for college. For college, families should look at each state's college programs, such as Florida Bright Futures, Georgia HOPE and Zell Miller, West Virginia PROMISE, NC Next and Arizona Promise.

Why these names cause confusion

Several states call their K-12 school choice programs "scholarships." They help families pay for private school, homeschooling or other K-12 education. They share names with college programs (Georgia has a HOPE Scholarship for college, West Virginia has a Hope Scholarship for K-12), so parents of high schoolers often find them while searching for college money.

The six programs, in plain terms

ProgramStateWhat it pays forCollege?
Step Up For StudentsFloridaPrivate school tuition and fees for K-12 students; therapies and tutoring for students with unique abilitiesNo
Opportunity ScholarshipNorth CarolinaTuition and required fees at registered private schools, roughly $3,000 to $7,000 a year depending on household incomeNo
Hope ScholarshipWest VirginiaAn education savings account for K-12 students, projected at $5,435.62 per student for 2026-27No
Promise ScholarshipGeorgiaUp to $6,500 a year for K-12 education expenses such as private school tuitionNo
GOAL ScholarshipGeorgiaPrivate school tuition scholarships funded by state tax creditsNo
Empowerment Scholarship AccountArizonaK-12 education expenses, open to all Arizona K-12 studentsNo

Each program is run by a state agency or an approved scholarship organization, and the rules change often. Check the official program site for current amounts and deadlines.

Key Takeaway

If your teen is in high school and you are planning for college, these programs are not the ones to track. The college money in these states comes from different programs, listed below.

The college programs to look at instead

Parent tip: Most state college programs depend on high school GPA, test scores or the FAFSA, and several lock in during junior and senior year. Knowing the rules for your state early is worth more than any single outside scholarship.

How Solyo helps

Solyo's scholarship directory covers state college aid in all 50 states plus DC, checked against each program's official page. Signed in, Solyo matches your student to the state and national awards they qualify for and tracks the deadlines.

#scholarships#school-choice#state-aid#florida#georgia#north-carolina#west-virginia#arizona

Free tools mentioned in this article

No account required. Use these tools to take the next step.

Related Questions

View all questions

When should families start planning for college financial aid?

Ideally, families should start thinking about college affordability by 9th or 10th grade. The FAFSA opens October 1 of a student's senior year. However, understanding need-based vs. merit-based aid, researching schools with generous financial aid policies, and saving strategically should start years earlier. Solyo.ai supports long-term planning by helping parents track grades, monitor school communications, and stay ahead of key academic and financial deadlines.

What is the difference between need-based and merit-based financial aid?

Need-based aid is determined by family financial circumstances and is calculated through the FAFSA. Merit-based aid is awarded based on academic achievement, test scores, talents, or extracurriculars, regardless of income. High-achieving students can often earn significant merit scholarships even at full-pay families. Maintaining a strong GPA, trackable through tools like Solyo.ai, is key to merit aid eligibility.

What GPA is required for college scholarships?

Most institutional scholarships require a 3.0–3.7 GPA, with the most competitive awards requiring 3.8+. Many state scholarships have GPA minimums as well. Real-time GPA tracking tools like Solyo.ai help parents and students stay above scholarship thresholds and apply for awards they qualify for.

What is the FAFSA and how does it work?

The FAFSA (Free Application for Federal Student Aid) is the form families complete to determine eligibility for federal grants, work-study, and loans. It's based on family income, assets, and household size. Filing as early as possible, starting October 1 of senior year, maximizes aid opportunities, as some funding is first-come, first-served. Solyo.ai helps families stay organized by tracking financial aid deadlines alongside academic progress and school communications.

How can students find local scholarships?

Local scholarships are less competitive than national awards and often go unclaimed. Search through your child's high school guidance office, community foundations, local businesses, religious organizations, and professional associations in your area. High school counselors are one of the best sources for local scholarship information. Solyo.ai helps families keep track of scholarship deadlines alongside grades and academic progress, so important dates never get missed.

Join the Solyo newsletter

Free, weekly, and unsubscribe in one click.

Not ready? Learn more