Coconino County Community Services offers Individual Development Accounts (IDAs) to eligible, motivated students. Individual Development Accounts are special savings accounts where money saved by working families and individuals is matched with federal and local grants.

Coconino County Community Services has partnered with Coconino Community College (CCC) to introduce the Coconino $ave2Learn IDA Program. This program boosts applicants’ savings to start or continue progress towards a post-secondary degree within CCC. Each dollar a participant saves for post-secondary education, up to $1,000, will be matched by three (3) grant dollars. With the combined funds, students have up to $4,000 in post-secondary capital to be used at CCC upon completion of the program.

For additional information view our brochure.


  • Students must have an earned income of $4000 or more and fall under the single poverty level (currently $23,540 / year).
  • Have no more than $10,000 in assets (excluding first home and first car and subtracting liabilities)
  • Must be a Coconino County resident, at least 16 years old
  • Must have a picture ID and a valid US Social Security Number or a Federal Taxpayer Identification Number
  • Proof of home address
  • Most provide a current tax return or three (3) months (90 days) of most recent pay check stubs


  • Complete an application
  • Schedule and attend an Intake Interview with an IDA staff member
  • Open a special Individual Development Savings (IDA) account with an approved bank.
    • Note: This is a custodial account; the participant may not withdraw funds without permission from CCCS and only then it must be for a legitimate reason. They would then have access to the money they deposited.
  • Minimum of $25/month deposit into a savings account for a minimum of six (6) months.
  • Must complete a minimum of five (5) hours of either online or in-person financial education before drawing down match funds.
  • Should be accepted into a degree or certificate-granting program or enrolled at a course of study administered by Coconino Community College within six (6) months of startup of their savings for Match Funds.
  • Inform CCCS when you are ready to make an “asset purchase” and pay for your classes, books and supplies. All IDA funds are distributed to a third party (CCC and or CCC bookstore).


  • The maximum and or goal does not necessarily need to be met. Savings will be matched as long as the savings account has been opened for at least six months and all other criteria have been met.
  • Tuition at CCC is $89/credit hour and averages $2900 per year / $1450 a semester.
  • An approximate budget for one semester at CCC follows:

One Semester

Tuition & Fees

Books & Supplies


Full Time $1,128 $592 $1,720
3/4 Time $846 $444 $1,290
1/2 Time $564 $296 $860
  • Here is a breakdown of an 8 month IDA savings plan beginning in March and ending in October:

Bi-Weekly Savings

Monthly Savings

Savings before Match

Savings After Match

$25 $50 $400 $1,600
$20 $40 $320 $1,280
$15 $30 $240 $960
  • Student’s parental assets are not counted against their income eligibility. This is a great aspect as many financial aid applicants are denied because of their parents assets.
  • Dual enrollment students are eligible for IDA participation.
  • Post-secondary IDA funds can be used for:
    • Tuition & Fees
    • Books & Supplies as identified in the class syllabus
    • Study abroad expenses of tuition, books, course fees, excursion fees, and required course supplies as identified in the class syllabus
  • Post-secondary IDA funds cannot be used for:
    • Room & Board
    • Student Loans
    • Car / Transportation
    • Parking

For more information, please contact:

Scott Neuman, Special Projects Manager

Coconino County Community Services

928-679-7463 | This email address is being protected from spambots. You need JavaScript enabled to view it.

Barbara Frakes, Adminstrative Manger

Coconino County Community Services

928-679-7426 | This email address is being protected from spambots. You need JavaScript enabled to view it.