Education Freedom Accounts (EFA) for Homeschoolers | College Credits — UPI Study

Education Freedom Accounts for Homeschoolers — Use EFA Funds for College Credit | UPI Study

Approved EFA Vendor · 6 States
Use Your EFA Funds for
Real College Credit.

UPI Study is an approved vendor in 6 states. Homeschool families use their Education Freedom Account funds to access 70+ ACE & NCCRS college-level courses — all self-paced, all online, all dual-enrollment eligible.

✓ ACE & NCCRS Recommended ✓ 3,000+ Universities Accept Credits ✓ No Deadlines · No Schedules ✓ Approved in 6 States
Check Your State → How it works ↓
70+
ACE & NCCRS Courses
6
Approved States
60
Max Transferable Credits
3,000+
Partner Universities
EFA Program — One Price
$250
Full access · All 70+ courses · ACE & NCCRS credit
Unlimited access to 70+ college courses
Self-paced — no schedules or deadlines
Official transcript included
Credits accepted at 3,000+ universities
Dual enrollment eligible
Mobile + desktop friendly
Approved In
🏔 Utah 🌵 Arizona 🌿 Arkansas 🦌 Wyoming 🌺 Alabama 🍁 New Hampshire
Find Your State Portal →
🏛️ ACE Recommended
🏛️ NCCRS (NY Board of Regents)
🎓 Excelsior OneTranscript Compatible
🇺🇸 Same Standard as CLEP & DSST
🏫 Dual Enrollment Eligible
♾️ Credits Never Expire
Approved States

Find Your State &
Get Started Today.

UPI Study is an approved EFA vendor in 6 states. Odyssey states can purchase directly from the marketplace. ClassWallet states can use the marketplace or the custom invoice process below.

State Program Name Platform How to Purchase Action
🏔Utah Utah Fits All Scholarship Odyssey Log in to Odyssey, search "UPI Study" in the marketplace, and purchase directly with your EFA balance. Sign In to Odyssey →
🦌Wyoming Wyoming Empowerment Scholarship Odyssey Log in to Odyssey, search "UPI Study" in the marketplace, and purchase directly with your EFA balance. Sign In to Odyssey →
🌵Arizona Empowerment Scholarship Account (ESA) ClassWallet Log in to ClassWallet, find UPI Study in the marketplace or use the custom invoice below. Use Custom Invoice ↓
🌿Arkansas LEARNS Education Freedom Account ClassWallet Log in to ClassWallet, find UPI Study in the marketplace or use the custom invoice below. Use Custom Invoice ↓
🌺Alabama CHOOSE Act Education Savings Account ClassWallet Log in to ClassWallet, find UPI Study in the marketplace or use the custom invoice below. Use Custom Invoice ↓
🍁New Hampshire Education Freedom Account (EFA) ClassWallet Log in to ClassWallet, find UPI Study in the marketplace or use the custom invoice below. Use Custom Invoice ↓
💡 Note: Your state not listed? UPI Study is expanding its EFA approvals. Contact us to check if your state's program is newly approved or to start the process for your state.
How It Works

From EFA Funds to
College Credit.

1
Log Into Your State EFA Portal
Access your Odyssey or ClassWallet account using your state's EFA portal link. Your balance is already loaded from your state program.
2
Purchase the $250 UPI Study Program
Find UPI Study in the approved marketplace (Odyssey) or submit a custom invoice (ClassWallet). Purchase is made with your EFA balance — no out-of-pocket cost.
3
Start Learning — No Deadlines
Your student gets immediate access to all 70+ ACE & NCCRS college courses. Fully self-paced. Study at home, on any device, on any schedule.
4
Earn College Credit & Transfer
Upon completing courses, request an official UPI Study transcript. Submit it to 3,000+ universities for dual enrollment transfer credit — entering college as a Sophomore or Junior.
Platform Guides

Odyssey vs ClassWallet —
Which Is Yours?

Both platforms allow you to use your EFA funds to purchase UPI Study. Here's exactly how each works.

🧭
Odyssey
EFA marketplace portal
🏔 Utah 🦌 Wyoming

Odyssey is the EFA platform used by Utah and Wyoming. UPI Study appears directly in the Odyssey marketplace — no custom invoices needed. Simply sign in, find us, and purchase.

1
Go to app.odysseyeducation.com and sign in to your account.
2
Search "UPI Study" in the approved vendor marketplace.
3
Select the $250 homeschool program and complete your purchase using your EFA balance.
4
Check your email for your UPI Study access link and start learning immediately.
Sign In to Odyssey →
💛
ClassWallet
EFA spending & invoice portal
🌵 Arizona 🌿 Arkansas 🌺 Alabama 🍁 New Hampshire

ClassWallet is used by Arizona, Arkansas, Alabama, and New Hampshire. You can purchase UPI Study from the ClassWallet marketplace or — if we are not listed — submit a custom invoice request below.

1
Log in to your ClassWallet account for your state's EFA program.
2
Search "UPI Study" in the marketplace. If listed, purchase directly.
3
If not listed, scroll down to the Custom Invoice section on this page and submit your invoice request.
4
Once payment processes, you'll receive your UPI Study access within 1 business day.
Go to Custom Invoice ↓
ClassWallet States

ClassWallet Custom
Invoice Request.

📋
Submit a Custom Invoice via ClassWallet

If UPI Study is not appearing in your ClassWallet marketplace, use the custom invoice process. Fill out your details below and we'll generate an official invoice you can submit directly to ClassWallet for your $250 EFA purchase.

🔧
Invoice Form — Coming Soon

We're building this form to make the ClassWallet custom invoice process seamless. In the meantime, email us directly and we'll send you a completed invoice within 24 hours — ready to upload to ClassWallet.

📧 Email [email protected] 📞 Book a Call
Include your name, state, and ClassWallet account email. We'll handle the rest.
Real Financial Impact

$250 EFA Spend.
$30,000+ in Savings.

College credit earned through dual enrollment in high school is the most powerful college savings tool available to homeschool families.

🎓
$18,000+
Saved on 30 Credits
At $300–$600 per credit hour at a 4-year university, 30 credits saves $9,000–$18,000. Earn them with EFA funds for $250.
⏱️
1–2 Yrs
Faster to Graduation
Up to 60 transferable credits lets your student enter college as a Sophomore or Junior — graduating 1–2 years early, saving room & board costs too.
📚
70+
Courses for $250
Community college dual enrollment often charges $150–$300 per course. At $250 total for 70+ courses, the value is unmatched — especially using EFA funds.
Course Catalog

College Courses Your
Student Can Start Today.

All courses carry ACE and/or NCCRS credit recommendations. Browse by interest area to find what fits your student's goals. Browse all 70+ courses →

Biology
Intro to Biology 1
Required for pre-med, nursing, and health science pathways. Essential general science credit for all degrees.
ACE & NCCRSEnroll →
Biology
Intro to Biology 2
Continues the biology sequence. Required for pre-health majors at most universities.
ACE & NCCRSEnroll →
Chemistry
Chemistry I
Required for STEM pathways — engineering, pre-med, pharmacy, environmental science. High-value credit to earn early.
ACE & NCCRSEnroll →
Physics
Physics I
Core STEM requirement for engineering, physics, pre-med, and natural sciences degree programs.
ACE & NCCRSEnroll →
Environmental Science
Environmental Science
Broad science elective accepted across many degree programs. Relevant for environmental studies, biology, and policy majors.
ACE & NCCRSEnroll →
Healthcare
Medical Terminology
Required for nursing, allied health, pre-med, and healthcare administration programs at most universities.
ACE & NCCRSEnroll →
Programming
Programming in Python
The most in-demand programming language. Satisfies intro programming requirements at virtually every CS and IT program.
ACE & NCCRSEnroll →
Security
Cybersecurity
One of the fastest-growing fields. Core credit for IT, computer science, and information assurance degree programs.
ACE & NCCRSEnroll →
AI
Introduction to Artificial Intelligence
Timely and forward-looking. Satisfies CS elective requirements and signals intellectual curiosity to admissions teams.
ACE & NCCRSEnroll →
Networking
Introduction to Networking
Core IT/networking credit for information technology, computer science, and systems administration degree tracks.
ACE & NCCRSEnroll →
Databases
Database Fundamentals
Required in most IT and CS degrees. Foundational knowledge for data science, software engineering, and web development careers.
ACE & NCCRSEnroll →
Web Development
Introduction to HTML and CSS
Practical web development credit. Accepted by web design, CS, and IT programs. Portfolio-building for college applications.
ACE & NCCRSEnroll →
Business
Business Essentials
A great first business course — broad introduction to commerce, marketing, operations, and management principles.
ACE & NCCRSEnroll →
Marketing
Principles of Marketing
Required in every business degree. Practical, engaging, and widely accepted for general education requirements.
ACE & NCCRSEnroll →
Entrepreneurship
Entrepreneurship
Perfect for students with business ideas. Widely accepted as a business elective and highly valued on college applications.
ACE & NCCRSEnroll →
Finance
Principles of Finance
Core finance credit for business, accounting, and economics degree pathways at most universities.
ACE & NCCRSEnroll →
Management
Project Management
Practical management skills. Accepted widely and highly valued by employers — great for portfolios alongside college applications.
ACE & NCCRSEnroll →
Economics
Macroeconomics
Required general education credit in business, social science, and political science degree programs at most universities.
ACE & NCCRSEnroll →
Browse All 70+ Courses →
Where Credits Transfer

Universities in Your State That
Accept ACE & NCCRS Credits.

These are just a sample. Over 3,000 US universities accept ACE and NCCRS-recommended credits. Find your college here →

🏔 Utah
University of Utah
Accepts ACE/NCCRS credits for transfer evaluation. One of the top research universities in the Intermountain West.
🏔 Utah
Utah Valley University
Strong ACE/NCCRS acceptance. Known for open enrollment and transfer-friendly policies for non-traditional learners.
🏔 Utah
Western Governors University
Fully online, headquartered in Utah. Industry-leading acceptance of ACE/NCCRS credits for their competency-based programs.
🏔 Utah
Southern Utah University
Accepts non-traditional credits including ACE/NCCRS recommendations for general education and elective requirements.
🌵 Arizona
Arizona State University
One of the largest ACE-participating universities in the US. Robust transfer credit policies for non-traditional learners.
🌵 Arizona
Northern Arizona University
NAU evaluates ACE/NCCRS-recommended credits for transfer. Strong acceptance policies for homeschool dual enrollment.
🌵 Arizona
Grand Canyon University
Private Christian university in Phoenix with strong online programs and flexible ACE/NCCRS transfer credit acceptance.
🌿 Arkansas
University of Arkansas
Flagship university of the UA System. Evaluates ACE/NCCRS credits for general education and elective transfer credit.
🌿 Arkansas
Arkansas State University
A-State accepts ACE/NCCRS credits and has strong transfer pathways for non-traditional and dual-enrolled students.
🦌 Wyoming
University of Wyoming
The only 4-year state university in Wyoming. Evaluates ACE/NCCRS credits for transfer under its non-traditional credit policies.
🦌 Wyoming
Western Governors University
Fully online, competency-based — one of the most ACE/NCCRS-friendly universities in the country. Popular with Wyoming EFA families.
🌺 Alabama
University of Alabama
The flagship UA campus evaluates ACE/NCCRS credits for transfer. Strong acceptance for documented non-traditional coursework.
🌺 Alabama
Auburn University
A major SEC research university that evaluates ACE/NCCRS-recommended credits for elective and general education transfer.
🌺 Alabama
Athens State University
Known for flexible transfer policies including ACE/NCCRS recognition. Excellent for dual enrollment credit pathways.
🍁 New Hampshire
Southern New Hampshire University
SNHU is a national leader in accepting non-traditional and ACE/NCCRS-recommended credits. Accepts up to 90 transfer credits.
🍁 New Hampshire
University of New Hampshire
UNH evaluates ACE/NCCRS credits for transfer. One of New England's leading public research universities.
🍁 New Hampshire
Plymouth State University
PSU accepts ACE/NCCRS-recommended credits for general education and elective requirements. Transfer-friendly for NH EFA families.

These are just a sample from your state. Over 3,000 universities across the US accept ACE and NCCRS credits. Search the full university list →

FAQ

Common Questions
Answered.

Everything homeschool families ask about using EFA funds for college credit through UPI Study.

What is an Education Freedom Account (EFA)?
An Education Freedom Account (EFA) — also called an Education Savings Account (ESA) or Empowerment Scholarship Account in some states — is a state-funded program that provides families with public education funds in a flexible spending account. Families can use these funds for approved educational expenses including online courses, tutoring, curriculum, and college credit programs like UPI Study.
Which states is UPI Study approved in for EFA?
UPI Study is an approved EFA vendor in Utah (Odyssey), Arkansas (ClassWallet), Arizona (ClassWallet), Wyoming (Odyssey), Alabama (ClassWallet), and New Hampshire (ClassWallet). We are continually working to expand to additional states. Contact [email protected] to check on your state.
How much does the UPI Study EFA program cost?
The UPI Study EFA program is $250. This provides full access to all 70+ ACE and NCCRS-recommended college-level courses. Purchased through your state's EFA portal (Odyssey or ClassWallet), there is no out-of-pocket cost to your family.
How do I buy UPI Study through Odyssey (Utah / Wyoming)?
Log in to your Odyssey account at app.odysseyeducation.com. Search "UPI Study" in the approved vendor marketplace. Select the $250 homeschool program and complete the purchase using your EFA balance. You'll receive access credentials by email within a few hours.
How do I buy UPI Study through ClassWallet (Arizona / Arkansas / Alabama / New Hampshire)?
Log in to your ClassWallet account for your state's EFA program. Search "UPI Study" in the marketplace — if listed, purchase directly. If UPI Study does not appear in your marketplace, scroll up to the Custom Invoice section on this page or email [email protected] for an invoice to submit to ClassWallet.
What is a ClassWallet custom invoice?
A custom invoice is a document you submit through ClassWallet to request payment to an approved vendor. If UPI Study is not appearing in your ClassWallet marketplace, we can provide a completed invoice for you to upload to ClassWallet. Contact [email protected] and we'll send you the invoice within 24 hours.
What does the $250 program include?
The $250 program includes full unlimited access to all 70+ ACE and NCCRS-recommended college-level courses in business, computer science, psychology, sociology, mathematics, biology, chemistry, physics, and more. All courses are self-paced with no deadlines. Official transcript is included.
How do homeschool students earn college credit?
Students complete online, self-paced courses that carry ACE and NCCRS credit recommendations — the same national standards used by CLEP exams and military training. Upon completion, students request an official UPI Study transcript which is submitted to 3,000+ universities for transfer credit evaluation.
How many college credits can my student earn?
Students can earn up to 60 ACE and NCCRS-recommended college credits — equivalent to two full years of traditional college. This allows students to enter university as a Sophomore or Junior, potentially saving $20,000–$50,000 or more.
Are the courses self-paced? What about our homeschool schedule?
Yes — completely self-paced. No fixed class times, no live sessions, no deadlines. Students study whenever it fits their homeschool schedule — morning, afternoon, evening, or weekends. Pause and return at any time with no penalty.
Is there an age or grade requirement?
UPI Study has no strict age or grade requirement. Courses are college-level and designed for motivated students who are ready for that challenge — typically grades 9–12 (ages 14+). Many families begin in 9th or 10th grade to maximize credits before high school graduation.
Are credits accepted at universities in Utah?
Yes. Utah universities that accept ACE/NCCRS credits include University of Utah, Utah Valley University, Western Governors University, Southern Utah University, Snow College, Brigham Young University-Idaho, and many more. Over 3,000 US universities accept these credits. Search all cooperating universities →
Are credits accepted at universities in Arizona?
Yes. Arizona universities that accept ACE/NCCRS credits include Arizona State University, Northern Arizona University, Grand Canyon University, University of Arizona Global Campus, and many more. Search all cooperating universities →
Are credits accepted at universities in New Hampshire?
Yes. New Hampshire institutions that recognize ACE/NCCRS credits include Southern New Hampshire University (SNHU), University of New Hampshire, Plymouth State University, and Keene State College. SNHU in particular accepts up to 90 transfer credits and is a national leader in non-traditional credit acceptance. Search all cooperating universities →
Do credits expire?
No. ACE and NCCRS credit recommendations do not expire. Credits earned in high school can be applied to a college degree years later.
What is the Excelsior OneTranscript?
Excelsior University's OneTranscript service consolidates ACE and NCCRS-recommended credits from UPI Study, CLEP, DSST, and other sources into a single portable academic document. Widely accepted by universities. Ideal for students building a credit portfolio from multiple sources.
How is UPI Study different from traditional dual enrollment?
Traditional dual enrollment has fixed class times, semester deadlines, geographic restrictions, and per-course tuition. UPI Study is 100% online, self-paced, available anytime, and accessible from any state. At $250 for unlimited access to 70+ courses, it is significantly more affordable than traditional dual enrollment.
How much money can my family save?
At $300–$600 per credit hour at a 4-year university, earning 30 credits saves $9,000–$18,000. Earning 60 credits saves up to $36,000+ — plus time savings from graduating 1–2 years earlier. All for a $250 EFA purchase.
Can my student count UPI Study toward their homeschool transcript?
Yes. Many homeschool families count UPI Study courses as dual enrollment coursework on their high school transcript. Most states allow college-level coursework to count toward high school credit documentation. Check your state's specific homeschool documentation requirements.
Can I contact UPI Study for help with the EFA process?
Absolutely. Email [email protected] or book a call at calendly.com/upiglobale/15. We'll help you navigate the ClassWallet or Odyssey process, generate your invoice, and get your student started.
Your Student's College Journey Starts
With a $250 EFA Purchase.
Use your state Education Freedom Account funds to give your homeschool student a head start on college credit — self-paced, online, and recognized by 3,000+ universities.
Find Your State Portal → Browse All Courses → Contact Us →