Using ESA and EFA Funds for a Child Who Struggles
Learning Success is an approved vendor in the ClassWallet marketplaces for Arizona, Arkansas and Indiana. This page explains the rules, whichever provider you choose.
Arizona has the Empowerment Scholarship Account, or ESA. Arkansas has the Education Freedom Account, or EFA. Both use ClassWallet. These pages explain spending rules, checked October 2026. Arizona's rules come from its ESA law and current ESA Parent Handbook. Arkansas's rules come from its EFA rule as changed June 29, 2026. Nothing here promises a purchase will be approved.
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ESA and EFA questions
How the funds can be spent, and how paying works.
TL;DR
- Arizona's program is the Empowerment Scholarship Account, or ESA. Arkansas's program is the Education Freedom Account, or EFA.
- Arizona's ESA and Arkansas's EFA both use ClassWallet. ClassWallet is the online platform where families spend the funds.
- Under Arizona's current ESA Parent Handbook, an online program for one child is allowed. Payment can cover only the contract year, July 1 to June 30. Arkansas's rule, as changed on June 29, 2026, names subscriptions for course-specific programs.
- Nothing here promises that a purchase will be approved. Each program decides what it pays for.
- We checked these rules in October 2026. Rules can change, so check with the program before you buy.
Two state programs
Arizona's program is the Empowerment Scholarship Account, or ESA. The Arizona Department of Education runs it.
Arkansas's program is the Education Freedom Account, or EFA. Some parents call it an ESA too. The Arkansas Department of Education runs it.
Arizona's ESA and Arkansas's EFA have different rules. These pages explain each state's rules.
How families spend the funds
Both programs use ClassWallet. ClassWallet is the online platform where families spend the funds.
Arizona's current ESA Parent Handbook gives four ways to pay. They are the marketplace, Pay Vendor, a debit card and reimbursement.
The Arkansas texts we read describe two ways to pay. They are the ClassWallet marketplace and reimbursement.
Our page on ClassWallet explains each way to pay.
What the rules name
As of October 2026, Arizona's ESA law lists what the funds can pay for. Arizona's list names curricula. It names tuition or fees for a non-public online program. Arizona's list also names tutoring by a tutor who meets state board standards.
Arkansas's rule, as changed on June 29, 2026, names curricula as an allowed cost. Arkansas's June 2026 rule also names tutoring services.
Under Arizona's current ESA Parent Handbook, an online program for one child is allowed. Arkansas's rule, as changed on June 29, 2026, names subscriptions for course-specific programs.
Our page on online programs has more on each state.
Nothing here promises that a purchase will be approved. Each program decides what it pays for.
When we checked these rules
We checked these rules in October 2026. Rules can change, so check with the program before you buy.
Arizona's rules here come from its ESA law and current ESA Parent Handbook. In October 2026, we could not find a newer Arizona handbook.
Arkansas changed its EFA rule on June 29, 2026. The newest Family Handbook we could find is for 2025–26. It came out before that change. Where the two differ, the June 2026 rule is the one in force.
What this section does not cover
These pages do not cover who qualifies or how much an account holds. They explain how spending works and what the rules name.
Common questions from parents
Is Arkansas's EFA the same as Arizona's ESA?
No. They are two programs in two states, with two sets of rules. Both programs use ClassWallet.
Who do I ask about a purchase?
In Arizona, ask the ESA program at the Arizona Department of Education. In Arkansas, ask the Office of School Choice and Parent Empowerment. That office is part of the Arkansas Department of Education. Rules can change, so check with the program before you buy.
Do these pages say how much my account holds?
No. These pages do not cover who qualifies or how much an account holds.