Approved EFA Vendor · 6 States · Odyssey & ClassWallet
Use Your EFA Funds for
Real College Credit.
ACE & NCCRS-recommended college credits at 3,000+ universities — fully online, self-paced, no deadlines. Dual enrollment from $250. SAT/ACT prep for $50 (Odyssey only).
✓ ACE & NCCRS Recommended
✓ 3,000+ Partner Universities
✓ No Deadlines · No Schedules
✓ Approved in 6 States
✓ Credits Never Expire
✓ No Application Required
70+ACE & NCCRS Courses
6Approved States
60Max Transfer Credits
3,000+Partner Universities
$0Out of Pocket
Approved States
Find Your State &
Find Your State &
Get Started Today.
Approved in 6 states. Odyssey states purchase directly in the marketplace. ClassWallet states use the marketplace or the invoice request form below.
| State | Program Name | Platform | How to Purchase | Action |
|---|---|---|---|---|
| 🏔 Utah | Utah Fits All Scholarship | Odyssey | Sign in to Odyssey → search "UPI Study" → buy $250 college program and/or $50 SAT/ACT prep using EFA balance. | Sign In to Odyssey → |
| 🦌 Wyoming | Wyoming Empowerment Scholarship | Odyssey | Sign in to Odyssey → search "UPI Study" → buy $250 college program and/or $50 SAT/ACT prep using EFA balance. | Sign In to Odyssey → |
| 🌵 Arizona | Empowerment Scholarship Account (ESA) | ClassWallet | Find UPI Study in ClassWallet marketplace, or use the invoice request form below. | Custom Invoice ↓ |
| 🌿 Arkansas | LEARNS Education Freedom Account | ClassWallet | Find UPI Study in ClassWallet marketplace, or use the invoice request form below. | Custom Invoice ↓ |
| 🌺 Alabama | CHOOSE Act Education Savings Account | ClassWallet | Find UPI Study in ClassWallet marketplace, or use the invoice request form below. | Custom Invoice ↓ |
| 🍁 New Hampshire | Education Freedom Account (EFA) | ClassWallet | Find UPI Study in ClassWallet marketplace, or use the invoice request form below. | Custom Invoice ↓ |
💡 State not listed? UPI Study is expanding EFA approvals. Email us to check your state’s status.
EFA Programs
Two Programs.
Two Programs.
One EFA Purchase.
Use your state EFA funds for either or both UPI Study programs. College credits in all 6 states. SAT/ACT prep via Odyssey (Utah & Wyoming) only.
College Credit Program
70+ ACE & NCCRS courses · All 6 states
🧭 Odyssey💛 ClassWallet
🏔 Utah🦌 Wyoming
🌵 Arizona🌿 Arkansas
🌺 Alabama🍁 New Hampshire
$
250
One-time EFA purchase · No out-of-pocket cost
- Full unlimited access to all 70+ college-level courses
- ACE & NCCRS credit recommendations on every course
- Self-paced — no schedules, no deadlines, ever
- Official transcript included — submit to any university
- Credits accepted at 3,000+ universities
- Dual enrollment eligible — counts toward HS transcript
- Mobile & desktop, start same day of purchase
Available in all 6 approved EFA states
SAT & ACT Prep
Lifetime access · Odyssey states only
🧭 Odyssey Only
🏔 Utah🦌 Wyoming
$
50
Lifetime access · One-time purchase via Odyssey
- Lifetime access to complete SAT preparation material
- Lifetime access to complete ACT preparation material
- Practice questions and proven test-taking strategies
- Full subject-area reviews for both exams
- Self-paced — study on any schedule, any device
- Ideal for college admissions exam prep
- Available via Odyssey marketplace (Utah & Wyoming only)
⚠️ Odyssey (Utah & Wyoming) only. Not on ClassWallet.
How It Works
From EFA Funds to
From EFA Funds to
College Credit.
1
Log Into Your EFA Portal
Access Odyssey or ClassWallet. Your EFA balance is pre-loaded — no separate application needed.
2
Purchase UPI Study Program
Buy the $250 college credit program, the $50 SAT/ACT prep (Odyssey only), or both. Zero out-of-pocket.
3
Start Learning — No Deadlines
Immediate access to all 70+ ACE & NCCRS courses. Fully self-paced. Study at home, any device, any time.
4
Earn Credit & Transfer
Request your official transcript after completing courses. Submit to 3,000+ universities — enter as a Sophomore or Junior.
Platform Guides
Odyssey vs ClassWallet —
Sign In to Odyssey →
Go to Invoice Request ↓
Odyssey vs ClassWallet —
Which Is Yours?
Both platforms let you use EFA funds for UPI Study. Here's exactly how each one works, step by step.
Odyssey
Utah & Wyoming · College Credit + SAT/ACT Prep
🏔 Utah🦌 Wyoming
UPI Study appears directly in the Odyssey marketplace — no custom invoices. Purchase the $250 college credit program, the $50 SAT/ACT prep, or both in one session.
1
Go to https://withodyssey.com/en/solutions/parents and sign in to your account.
2
Search "UPI Study" in the approved vendor marketplace.
3
Select $250 college credit and/or $50 SAT/ACT prep. Pay with EFA balance.
4
Check email for your UPI Study access link — start the same day.
ClassWallet
Arizona · Arkansas · Alabama · New Hampshire
🌵 AZ🌿 AR🌺 AL🍁 NH
ClassWallet serves 4 approved states. Purchase directly from the marketplace, or if UPI Study isn’t listed, submit a custom invoice request below. College credit program only ($250).
1
Log in to your ClassWallet account for your state’s EFA program.
2
Search "UPI Study" in the marketplace. Purchase directly if listed.
3
If not listed, scroll to the Invoice Request section below on this page.
4
Receive UPI Study access within 1 business day of payment processing.
Savings Calculator
See How Much Your
See How Much Your
Family Could Save.
Adjust the sliders to see your potential savings versus paying full tuition at a traditional university for the same courses.
Calculate Your Savings
5 courses
$400 / credit hour
4-year degree path
With EFA + UPI Study, your family saves:
$5,750
vs. paying full tuition for these courses
💡 Earn ~15 credits · Enter college as a Sophomore
Find Your State Portal →
Based on 3 credit hours per course. EFA = $250 flat.
Savings vs. equivalent university tuition.
Savings vs. equivalent university tuition.
Real Financial Impact
$250 EFA Spend.
$250 EFA Spend.
$30,000+ in Savings.
College credits earned in high school are the most powerful education savings tool for homeschool families.
🎓
$18,000+
Saved on 30 Credits
At $300–$600/credit hour, 30 credits saves $9,000–$18,000 — all for a $250 EFA purchase.
⏳
1–2 Yrs
Faster to Graduation
Up to 60 credits lets your student enter as a Sophomore or Junior — graduating years earlier, saving room & board too.
📚
70+
Courses for $250
Community college dual enrollment charges $150–$300 per course. $250 total for 70+ courses is unmatched value.
Course Catalog
Courses Your Student
Courses Your Student
Can Start Today.
All carry ACE and/or NCCRS credit recommendations. Browse all 70+ courses →
Psychology
Introduction to Psychology
Universal gen-ed credit. Ideal first course for homeschoolers exploring college-level study.
ACE & NCCRSEnroll →
Leadership
Foundations of Leadership
Strengthens college applications. Satisfies management requirements at most universities.
ACE & NCCRSEnroll →
Statistics
Principles of Statistics
Required in virtually every bachelor’s degree. One of the highest-value credits to earn early.
ACE & NCCRSEnroll →
Sociology
Introduction to Sociology
Core social science requirement. Widely accepted at every university as gen-ed.
ACE & NCCRSEnroll →
Ethics
Ethics in the Social Sciences
Core for criminal justice, public admin, philosophy, and most liberal arts degrees.
ACE & NCCRSEnroll →
Management
Principles of Management
Satisfies management requirements in business, public admin, and org studies degrees.
ACE & NCCRSEnroll →
Biology
Intro to Biology 1
Required for pre-med, nursing, and health sciences. Core general science credit.
ACE & NCCRSEnroll →
Biology
Intro to Biology 2
Required for pre-health majors at most universities. Continues the biology sequence.
ACE & NCCRSEnroll →
Chemistry
Chemistry I
Required for STEM — engineering, pre-med, pharmacy. High-value credit to earn early.
ACE & NCCRSEnroll →
Physics
Physics I
Core STEM requirement for engineering, physics, pre-med, and natural sciences.
ACE & NCCRSEnroll →
Environmental
Environmental Science
Broad science elective accepted across many degree programs.
ACE & NCCRSEnroll →
Healthcare
Medical Terminology
Required for nursing, allied health, pre-med, and healthcare administration programs.
ACE & NCCRSEnroll →
Programming
Programming in Python
Most in-demand language. Satisfies intro CS requirements at virtually every program.
ACE & NCCRSEnroll →
Security
Cybersecurity
Fastest-growing field. Core credit for IT and information assurance degree programs.
ACE & NCCRSEnroll →
AI
Introduction to AI
Forward-looking. Satisfies CS elective requirements and signals intellectual ambition.
ACE & NCCRSEnroll →
Networking
Introduction to Networking
Core IT credit for CS, information technology, and systems administration degrees.
ACE & NCCRSEnroll →
Databases
Database Fundamentals
Required in most IT and CS degrees. Foundation for data science and software engineering.
ACE & NCCRSEnroll →
Web Dev
Introduction to HTML & CSS
Practical web dev credit. Portfolio-building for college applications.
ACE & NCCRSEnroll →
Business
Business Essentials
Great intro course — broad overview of commerce, marketing, operations, and management.
ACE & NCCRSEnroll →
Marketing
Principles of Marketing
Required in every business degree. Practical and widely accepted for gen-ed credit.
ACE & NCCRSEnroll →
Entrepreneurship
Entrepreneurship
Valued on college applications. Widely accepted as a business elective.
ACE & NCCRSEnroll →
Finance
Principles of Finance
Core finance credit for business, accounting, and economics degree pathways.
ACE & NCCRSEnroll →
Management
Project Management
Practical management skills valued by employers. Great for college application portfolios.
ACE & NCCRSEnroll →
Economics
Macroeconomics
Required gen-ed in business, social science, and political science degree programs.
ACE & NCCRSEnroll →
Where Credits Transfer
Sample Universities That Accept
Sample Universities That Accept
ACE & NCCRS Credits.
Just a sample — over 3,000 US universities accept these credits. Find your college here →
🏔 Utah
University of Utah
Flagship research university. Evaluates ACE/NCCRS credits for transfer under non-traditional credit policies.
🏔 Utah
Utah Valley University
Strong ACE/NCCRS acceptance. Open enrollment and transfer-friendly policies for all learners.
🏔 Utah
Western Governors University
Fully online, competency-based. Industry-leading ACE/NCCRS credit acceptance.
🌵 Arizona
Arizona State University
One of the largest ACE-participating universities in the US. Robust transfer credit policies.
🌵 Arizona
Northern Arizona University
Strong policies for homeschool dual enrollment and ACE/NCCRS credit transfer.
🌵 Arizona
Grand Canyon University
Flexible ACE/NCCRS transfer acceptance. Online and on-campus programs available.
🌿 Arkansas
University of Arkansas
Flagship campus. Evaluates ACE/NCCRS credits for general education and elective transfer.
🌿 Arkansas
Arkansas State University
Strong transfer pathways for non-traditional and dual-enrolled students.
🦌 Wyoming
University of Wyoming
Only 4-year state university in Wyoming. Evaluates ACE/NCCRS credits for transfer.
🌺 Alabama
University of Alabama
Flagship campus with strong acceptance for documented non-traditional coursework.
🌺 Alabama
Auburn University
Major SEC research university evaluating ACE/NCCRS credits for elective transfer.
🌺 Alabama
Athens State University
Known for flexible transfer policies and strong ACE/NCCRS recognition.
🍁 New Hampshire
Southern New Hampshire University
National leader in non-traditional credit. Accepts up to 90 transfer credits.
🍁 New Hampshire
University of New Hampshire
Leading New England public research university accepting ACE/NCCRS transfers.
🍁 New Hampshire
Plymouth State University
Accepts ACE/NCCRS for gen-ed and electives. Transfer-friendly for NH EFA families.
Over 3,000 universities accept ACE & NCCRS credits. Search the full list →
Request Your ClassWallet Invoice
If UPI Study is not showing in your ClassWallet marketplace, complete the invoice request below and download a ready-to-use invoice instantly. This invoice request is for the $250 lifetime access college credit program only.
Program Price
$250
One-time invoice for full lifetime access to all UPI Study college credit courses eligible under this offer.
What This Covers
Lifetime access to all eligible UPI Study college credit courses
ACE and NCCRS-recommended coursework
Self-paced access with no deadlines
Built for homeschool and EFA-funded families
Before You Download
Make sure the student name matches exactly how it appears in ClassWallet so the generated invoice is accurate.
EFA Parent Reviews
Real Homeschool Families.
Real Homeschool Families.
Real Results.
From Utah to New Hampshire, EFA families are giving their students a serious head start on college — at zero out-of-pocket cost.
★★★★★
"I called the University of Utah registrar before buying — they confirmed ACE and NCCRS credits transfer. My 11th grader has now completed 6 courses. Submitting the transcript this fall. Changed our entire college plan."
★★★★★
"My son finished 9 courses before graduating homeschool. He entered SNHU as a Sophomore. Saved us $14,000 in first-year tuition alone. The $250 EFA purchase was the best educational investment we’ve ever made."
★★★★★
"My son used Wyoming Empowerment Scholarship for BOTH the $250 college program AND the $50 SAT/ACT prep. His practice scores went up 140 points in 6 weeks. We’re buying it for our younger kids too."
★★★★★
"We used our Arkansas LEARNS EFA through ClassWallet. The custom invoice took 2 days total. My daughter finished Psychology and Biology I in junior year. Both transferred to the University of Arkansas."
★★★★★
"We’ve been homeschooling 6 years and always struggled with dual enrollment scheduling. UPI Study solved it completely. My 10th and 12th grader both study independently at their own pace. Zero out-of-pocket via Utah Fits All."
★★★★★
"I have three homeschool kids in high school. Used our Alabama CHOOSE Act ESA for all three. Each works at their own pace on different courses. No scheduling conflicts whatsoever. This is what dual enrollment should look like."
★★★★★
"My daughter finished 12 UPI Study courses before entering ASU. She entered as a Junior with 36 transfer credits — two full years of tuition saved. The courses genuinely prepared her better than most first-year students."
★★★★★
"The transcript request was 10 minutes online. UNH reviewed it and accepted all 9 credits. My son starts this fall. We got nearly $8,000 in college credit for a $250 EFA purchase. I tell every homeschool family I know."
★★★★★
"Stacked UPI Study with CLEP, put everything on an Excelsior OneTranscript. My daughter has 42 college credits entering university as a Junior. Total cost: $250 EFA + $400 CLEP fees. University tuition for the same credits: $28,000."
★★★★★
"Used Arizona ESA through ClassWallet. The custom invoice was straightforward — UPI Study emailed it within hours. My daughter is now on her 3rd course. She loves that there are no deadlines. No stress, no pressure, just learning."
FAQ
Every Question
Every Question
Answered.
Comprehensive answers for homeschool families, EFA administrators, and university advisors.
What is an Education Freedom Account (EFA)?
An EFA — also called an ESA or Empowerment Scholarship Account — is a state-funded program giving families public education funds for approved educational expenses including online courses, tutoring, curriculum, and college credit programs like UPI Study.
Which states is UPI Study approved in?
Utah (Odyssey), Wyoming (Odyssey), Arizona (ClassWallet), Arkansas (ClassWallet), Alabama (ClassWallet), New Hampshire (ClassWallet). Email [email protected] to check additional states.
What programs are available and what do they cost?
$250 — College Credit Program: 70+ ACE & NCCRS-recommended courses, available in all 6 states via Odyssey and ClassWallet.
$50 — SAT/ACT Prep Lifetime Access: Comprehensive SAT and ACT preparation material. Available via Odyssey (Utah and Wyoming) only.
$50 — SAT/ACT Prep Lifetime Access: Comprehensive SAT and ACT preparation material. Available via Odyssey (Utah and Wyoming) only.
What is the $50 SAT/ACT prep and who can get it?
Odyssey families (Utah and Wyoming) can purchase lifetime access to SAT and ACT prep material for $50 via the Odyssey marketplace. Includes practice questions, test strategies, and subject reviews. Separate from the $250 college program — families can buy both.
Can I buy both the $250 college program and the $50 SAT/ACT prep?
Yes. Odyssey families (Utah and Wyoming) can purchase both in one session using their EFA balance. ClassWallet families can currently only access the $250 college credit program.
Is the SAT/ACT prep available in ClassWallet states?
Currently Odyssey only (Utah and Wyoming). Email [email protected] for updates on ClassWallet SAT/ACT availability.
How do I buy through Odyssey (Utah / Wyoming)?
Go to https://withodyssey.com/en/solutions/parents, sign in, search “UPI Study.” You’ll see the $250 college credit program and $50 SAT/ACT prep. Purchase using your EFA balance — zero out-of-pocket cost.
How do I buy through ClassWallet (AZ / AR / AL / NH)?
Log in to ClassWallet. Search “UPI Study” — purchase directly if listed. If not listed, complete the invoice request form below with your details.
What is a ClassWallet custom invoice?
A document submitted through ClassWallet to request payment to an approved vendor. Use the invoice request form below to begin the process.
What does the $250 program include?
Full unlimited access to all 70+ ACE and NCCRS-recommended college-level courses in business, CS, psychology, sociology, math, biology, chemistry, physics, and more. All self-paced with no deadlines. Official transcript included.
How do homeschool students earn college credit?
Complete self-paced courses carrying ACE and NCCRS credit recommendations — same national standards as CLEP exams. Request an official transcript and submit to any university for transfer credit evaluation.
How many college credits can my student earn?
Up to 60 ACE and NCCRS-recommended credits — two full years of traditional college. Students can enter university as a Sophomore or Junior, saving $20,000–$50,000+.
Do the credits ever expire?
No. ACE and NCCRS credit recommendations never expire. Credits earned during high school dual enrollment can be applied to a degree years later.
Are the courses self-paced?
Yes — completely. No fixed class times, no live sessions, no deadlines, no semester schedule. Study any day, any time, any device. Pause and resume at any point with no penalty.
Is there an age or grade requirement?
No strict requirement. Designed for grades 9–12 (ages 14+). Many families start in 9th or 10th grade to maximize credits. No minimum age policy at UPI Study.
Can my student count UPI Study on their homeschool transcript?
Yes. Most families count UPI Study as dual enrollment coursework on their high school transcript. Most states allow college-level coursework toward homeschool credit documentation.
How much money can my family save?
At $300–$600/credit hour, 30 credits saves $9,000–$18,000. 60 credits saves up to $36,000+ in tuition — plus years of time savings from graduating earlier. All from a $250 EFA purchase.
Are credits accepted at Utah universities?
Yes. Including University of Utah, Utah Valley University, Western Governors University, Southern Utah University, Snow College, BYU-Idaho. Search all →
Are credits accepted at Arizona universities?
Yes. Including Arizona State University, Northern Arizona University, Grand Canyon University, University of Arizona Global Campus. Search all →
Are credits accepted at New Hampshire universities?
Southern New Hampshire University (SNHU) accepts up to 90 transfer credits. Also: University of New Hampshire, Plymouth State University, Keene State College. Search all →
Can I stack UPI Study credits with CLEP and DSST?
Yes. UPI Study, CLEP, DSST, and military training credits can all be consolidated on an Excelsior University OneTranscript — one official document for all non-traditional credits.
What is the Excelsior OneTranscript?
Excelsior University’s service consolidating ACE and NCCRS credits from multiple sources into one portable academic document accepted by universities worldwide.
How long does a course take to complete?
Most students complete courses in 2–6 weeks studying a few hours per week. Motivated homeschool students complete 10–20 courses per year.
Is there a limit to how many courses in the $250 program?
No. Unlimited access to all 70+ courses. Students complete as many as they choose during their access period.
How do I get my student’s official transcript?
Request at upistudy.com/courses/requestdocuments. Sent to your email with ACE and NCCRS credit recommendations ready to submit to any university registrar.
What GPA is required to enroll?
No GPA requirement. No application, no waitlists, no semester start dates. Start the same day of purchase.
Can my student study while also attending public or private school part-time?
Yes. No conflicts with any concurrent schooling arrangement. Students study entirely on their own schedule.
How is UPI Study different from community college dual enrollment?
Community college has fixed class times, semester schedules, geographic restrictions, and per-course tuition. UPI Study is 100% online, self-paced, and available 24/7 — $250 for unlimited access to 70+ courses.
How is UPI Study different from CLEP exams?
CLEP requires a pass/fail proctored exam. UPI Study is coursework-based with no separate exam required. Better for students who learn through structured instruction rather than high-stakes testing.
What happens if my student pauses studying?
Nothing. No deadlines, no penalties, no expiration. Resume at any time with no consequences.
Does UPI Study work on mobile devices?
Yes. Fully mobile-accessible on any phone, tablet, or computer. No app download required.
My state is not listed. What can I do?
Purchase via standard subscription plans at upistudy.com/pages/pricing. Email [email protected] to check your state’s EFA approval status.
Can I contact UPI Study for help with the EFA process?
Yes. Email [email protected] or book a call at calendly.com/upiglobale/15. We help navigate Odyssey and ClassWallet, generate invoices, and get your student started the same day.
Your Student’s College Journey Starts
With a $250 EFA Purchase.
With a $250 EFA Purchase.
Use your state Education Freedom Account to give your homeschool student a head start on college credit — self-paced, online, and recognized by 3,000+ universities.