Financial Aid & Funding Options

Training Is an Investment. We’ll Help You Make It Possible.

Every student’s financial situation is different. From financing and government assistance to veteran benefits, scholarships and other programs, our admissions team can help you explore the options that may fit your situation.

Explore Your Options

Find the Funding Path That Fits Your Situation

Funding is not one-size-fits-all. Select a category below to learn how each option works, who it may help, and what your next step should be.

Funding Options

Financing Options

Student Loans & Financing

Financing can provide a more predictable path when grants or scholarships are not available. Approval and repayment terms are determined by the lender.

Utilities Employees Credit Union (UECU)

Nationwide
Utilities Employees Credit Union

HEO Academy has partnered with Utilities Employees Credit Union (UECU) to provide nationwide education financing for qualifying students. Eligible borrowers can finance up to 100% of tuition and eligible education costs.

  • Finance up to 100% of tuition and eligible education costs
  • No payments while you're in school
  • Repayment terms from 3–7 years
  • Available nationwide

Admissions Tip: UECU recommends activating your free membership before applying, which can help the loan process move more quickly.

Loan approval, interest rates, repayment options and final terms are determined by Utilities Employees Credit Union. Membership is required before loan funding.

Arkansas Rural Endowment Fund

Arkansas Only
Arkansas Rural Endowment Fund Rural Loans

AREF provides low-interest student-loan financing for qualifying Arkansas residents and can finance up to 100% of the tuition.

  • No application, origination or processing fees
  • No payments while you are attending school
  • Repayment begins six months after graduation
  • Interest rates vary with current market conditions

Available to qualifying Arkansas residents. Eligibility, approval, interest rates and final loan terms are determined by AREF.

529 Education Savings Plans

Family Savings

Families with an existing 529 education savings plan may be able to use those funds toward tuition at HEO Academy.

  • Use education savings already set aside
  • HEO Academy has accepted payments from multiple 529 providers
  • Your plan administrator confirms eligibility before releasing funds

Contact your 529 plan administrator to begin the withdrawal process and confirm your individual plan's documentation and eligibility requirements.

Banks and Credit Unions

Some students finance training through a local bank, credit union or another personal lender.

Cash and Personal Funds

Students may pay tuition using savings or other personal funds. Speak with Admissions about payment timing before your class begins.

Government Assistance

Government Assistance Programs

Government assistance programs may help qualifying students pay for career training. In many communities, Vocational Rehabilitation and WIOA work closely together, and students who may qualify are often encouraged to contact both programs. Each program determines eligibility and funding separately.

Not Sure Which Program to Contact?

Vocational Rehabilitation and WIOA services are often located in the same workforce center or work closely together. If you think you may qualify, consider applying for both. You can also contact HEO Academy Admissions and we will help point you in the right direction.

Vocational Rehabilitation

Employment Support

Vocational Rehabilitation may help eligible individuals whose physical, medical, mental-health or learning condition creates a barrier to preparing for, obtaining, keeping or advancing in employment.

Disabilities do not always have to be severe or visible. Conditions such as ADHD, anxiety, asthma or a learning disability may be considered depending on the individual and how the condition affects employment.

  • Tuition assistance may be available
  • Required supplies or other services may be included
  • Eligibility is determined individually

A diagnosis does not automatically guarantee eligibility, tuition assistance or a specific level of funding. Decisions are made by the applicant's state VR agency and assigned counselor.

WIOA Workforce Funding

Workforce Funding

The Workforce Innovation and Opportunity Act may help eligible adults, dislocated workers and certain young people pay for approved career training.

Funding decisions are made by the workforce office serving the area where you live. Requirements, priorities and available funding vary by location.

  • May cover part or all of approved tuition
  • Availability depends on local funding and policy
  • Apply through the workforce office serving your area

Eligibility, funding availability and approval decisions are made by the local workforce office. Assistance may be partial, full or unavailable.

Social Security Ticket to Work

SSI / SSDI Support

Ticket to Work is a free, voluntary Social Security program for eligible people ages 18 through 64 who receive SSI or SSDI disability benefits and want help preparing for, finding or maintaining employment.

  • Free employment-support services
  • Career counseling and job-placement assistance
  • Training support may be available through approved providers

Ticket to Work is not an automatic tuition grant. Services and available assistance depend on the individual's eligibility and chosen service provider.

Veteran Benefits

Veteran Education Benefits

HEO Academy accepts approved VA education benefits for eligible veterans, service members and qualifying family members. Because several benefit programs are available, the first step is applying through VA and obtaining your Certificate of Eligibility.

Not Sure Which Benefit You Have?

That is common. Apply for your VA education benefits first. VA will provide a Certificate of Eligibility showing the benefit program you are using, your remaining entitlement and the percentage or level of coverage available. Send a copy to HEO Academy Admissions so we can begin the school certification process.

GI Bill® Education Benefits

Chapters 30 & 33

Common education benefits include the Post-9/11 GI Bill® under Chapter 33 and the Montgomery GI Bill® under Chapter 30. Eligible spouses or children may also qualify for transferred or dependent education benefits.

  • Apply for education benefits through VA.gov
  • Provide HEO Academy with your Certificate of Eligibility
  • Admissions completes the school certification process

Depending on the benefit used, approved tuition may be paid directly to HEO Academy or the student may receive a monthly education payment and arrange tuition payment with the school.

Benefit eligibility, remaining entitlement and payment amounts are determined by the Department of Veterans Affairs.

Veteran Readiness and Employment

VR&E — Chapter 31

Veterans with a service-connected disability that affects employment may qualify for Veteran Readiness and Employment. VR&E can provide approved career training and employment support through an assigned VA counselor.

  • Career training may be included in an approved plan
  • Employment counseling and planning are provided
  • Approval is coordinated through a VA counselor

Eligibility and approval are determined by VA and the veteran's assigned VR&E counselor.

What HEO Academy Needs From You

Enrollment Step

Before HEO Academy can complete the school-side certification process, Admissions needs a copy of your Certificate of Eligibility or current VA education decision letter.

  • Apply for the appropriate VA benefit
  • Receive your Certificate of Eligibility
  • Send a copy to HEO Academy Admissions
  • Complete the remaining enrollment documents

Need Help Understanding Your Benefits?

VA education benefits can be difficult to navigate. HEO Academy Admissions can help with the school-side process. Veterans and eligible family members may also contact Carlton Lawyer for assistance understanding VA education benefit options and application steps.

Carlton Lawyer
Education Program Coordinator
State Approving Agency for Veterans Training

GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs (VA). More information about education benefits offered by VA is available at the official U.S. government website at benefits.va.gov/gibill .

Scholarship Opportunities

Trade-School Scholarships

Scholarships can reduce the amount you need to pay or finance, but they usually require planning ahead. Students expecting to begin training several months from now generally have more opportunities than those seeking an immediate class start.

Start Early and Keep Applying

Scholarship applications may be reviewed in separate funding rounds or award cycles. If you are not selected the first time, continue watching the program and apply again whenever you remain eligible. Do not wait until only a few weeks before class begins.

Mike Rowe WORKS Foundation

Start Here

This is the first outside scholarship HEO Academy recommends to students who are planning ahead. The Work Ethic Scholarship Program supports people pursuing training for skilled-trade careers.

HEO Academy students have successfully earned Mike Rowe WORKS scholarships, making this one of the strongest outside scholarship opportunities we recommend.

$9,100 Average Scholarship Award

Mike Rowe WORKS reports that scholarship awards have ranged from $500 to $34,000. Awards may be used by qualifying students pursuing approved skilled-trade training programs.

  • Designed for students entering skilled trades
  • Multiple funding rounds may be offered
  • Awards may significantly reduce tuition costs
  • Best suited for students planning months ahead

Application requirements, award amounts and future funding rounds are determined by the Mike Rowe WORKS Foundation. Receiving an award is not guaranteed.

Arkansas Workforce Challenge Scholarship

Arkansas Students
Arkansas Workforce Challenge Scholarship

Qualifying Arkansas residents may receive state scholarship assistance toward approved career training at HEO Academy. The online application is completed through the Arkansas SAMS portal.

Up to $3,000 Eligible HEO Academy Programs
  • 8-Week Heavy Equipment Operator Program
  • Class A CDL Training
Up to $1,500 Eligible HEO Academy Programs
  • Bulldozer Operator Training
  • Excavator Operator Training
  • Loader & Skid Steer Training
  • Available to qualifying Arkansas residents
  • Simple online application through SAMS
  • Approved funds are applied toward tuition
  • Award level depends on the selected training program

Eligibility and final award amounts are determined by the Arkansas Division of Higher Education.

Bring Back the Trades

Skilled Trades
Bring Back the Trades

Bring Back the Trades offers scholarship opportunities for students preparing to enter skilled-trade careers. HEO Academy has previously had a student receive an award through this program.

  • Focused on skilled-trade education
  • Applications may be submitted throughout the year
  • Useful as a supplement to other funding sources

Current requirements, award amounts and application availability are determined by Bring Back the Trades.

Arkansas Single Parent Scholarship Fund

Single Parents
Arkansas Single Parent Scholarship Fund

Qualifying single parents may receive flexible scholarship assistance while completing eligible education or skilled-trade training. The organization also offers support intended to help recipients remain in school and prepare for employment.

  • Designed for qualifying single-parent students
  • Skilled-trade training may be eligible
  • Coverage and service area requirements apply

Eligibility, award amounts and geographic coverage are determined by the Arkansas Single Parent Scholarship Fund.

Search for Additional Scholarships

More Opportunities

Scholarship availability varies by location, background, employer, organization membership and career field. Use reputable search tools, but confirm that each opportunity allows vocational, technical or trade-school training before applying.

  • Search for vocational and trade-school awards
  • Check local foundations and community groups
  • Ask high-school counselors about local opportunities
  • Never assume a scholarship is limited to universities

HEO Academy does not control outside scholarship listings, eligibility decisions, deadlines or awards. Review each provider's current requirements before applying.

Scholarship Planning Tip

Scholarships are usually best for students planning well in advance. If you need to begin training soon, also review the Student Loans, Government Assistance and Veteran Benefits sections for options that may fit a shorter enrollment timeline.

Other Assistance

Additional Funding Opportunities

Some students may qualify for assistance based on tribal membership, agricultural work history, employer support or connections with local organizations. These opportunities vary widely, but they are worth exploring when the primary funding options do not cover everything.

Do Not Assume You Are Out of Options

Specialty funding is often based on your personal background, work history or community connections. Ask organizations you are already connected with, and contact HEO Academy Admissions if you need help identifying a possible starting point.

Tribal Education and Workforce Assistance

Tribal Programs

Some federally recognized tribes provide education, career-training or workforce assistance to eligible tribal members. HEO Academy has previously accepted funding provided through tribal programs.

  • Career-training assistance may be available
  • Covered expenses and award amounts vary by tribe
  • Tribal enrollment or membership requirements may apply
  • Contact your tribe's education or workforce office

Eligibility, available assistance and application requirements are determined independently by each tribe or tribal program.

National Farmworker Jobs Program

Agricultural Workers

If you've worked on a farm within the last two years—even seasonally or in a supporting role—you may qualify for assistance with career training at HEO Academy.

The application is simple and asks about your recent agricultural work history.

  • May be available to eligible agricultural workers
  • Recent farm work within the last two years
  • Simple online application

Employer and Community Sponsorships

Local Support

Employers, churches, nonprofit organizations, community foundations and other local groups sometimes help individuals pay for career training. These opportunities are usually handled individually rather than through one national application.

  • Ask your employer about tuition assistance
  • Contact churches and community organizations
  • Check local foundations and civic groups
  • Ask whether partial sponsorships are available

Sponsorship availability and payment arrangements are determined by the organization providing the assistance.

Student Loans & Financing

Financing can provide a predictable path when grants or scholarships are unavailable.

Utilities Employees Credit Union (UECU)

Nationwide
Utilities Employees Credit Union

HEO Academy has partnered with Utilities Employees Credit Union (UECU) to provide nationwide education financing for qualifying students. Eligible borrowers can finance up to 100% of tuition and eligible education costs.

  • Finance up to 100% of tuition and eligible education costs
  • No payments while you're in school
  • Repayment terms from 3–7 years
  • Available nationwide

Admissions Tip: UECU recommends activating your free membership before applying, which can help the loan process move more quickly.

Loan approval, interest rates, repayment options and final terms are determined by Utilities Employees Credit Union. Membership is required before loan funding.

Arkansas Rural Endowment Fund

Arkansas Only

AREF provides low-interest student-loan financing for qualifying Arkansas residents and can finance up to 100% of the tuition.

  • No application, origination or processing fees
  • No payments while you are attending school
  • Repayment begins six months after graduation
  • Interest rates vary with current market conditions

Available to qualifying Arkansas residents. Eligibility, approval, interest rates and final loan terms are determined by AREF.

529 Education Savings Plans

Family Savings

Families with an existing 529 education savings plan may be able to use those funds toward tuition at HEO Academy.

  • Use education savings already set aside
  • HEO Academy has accepted payments from multiple 529 providers
  • Your plan administrator confirms eligibility before releasing funds

Contact your 529 plan administrator to begin the withdrawal process and confirm your individual plan's documentation and eligibility requirements.

Banks and Credit Unions

Some students finance training through a local bank, credit union or another personal lender.

Cash and Personal Funds

Students may pay tuition using savings or other personal funds. Speak with Admissions about payment timing before your class begins.

Government Assistance

Vocational Rehabilitation and WIOA often work closely together. Students who may qualify are commonly encouraged to contact both programs, because each makes its own eligibility and funding decisions.

Not Sure Where to Start?

Consider contacting both Vocational Rehabilitation and WIOA. You can also ask HEO Academy Admissions for help finding the appropriate starting point.

Vocational Rehabilitation

Employment Support

VR may help eligible individuals whose physical, medical, mental-health or learning condition creates a barrier to employment.

Disabilities do not always have to be severe or visible. ADHD, anxiety, asthma and learning disabilities are examples of conditions that may be considered depending on the individual.

  • Tuition assistance may be available
  • Required supplies or services may be included
  • Eligibility is determined individually

A diagnosis does not automatically guarantee eligibility or tuition assistance. Decisions are made by the state VR agency and counselor.

WIOA Workforce Funding

Workforce Funding

WIOA may help eligible adults, dislocated workers and certain young people pay for approved career training.

  • May cover part or all of approved tuition
  • Funding varies by workforce area
  • Apply through the office serving where you live

Eligibility and available funding are determined by the local workforce office.

Social Security Ticket to Work

SSI / SSDI Support

Ticket to Work offers free, voluntary employment support for eligible people ages 18 through 64 who receive SSI or SSDI disability benefits.

  • Free employment-support services
  • Career and job-placement assistance
  • Training support may be available

Ticket to Work is not an automatic tuition grant. Services depend on eligibility and the provider selected.

Veteran Education Benefits

HEO Academy accepts approved VA education benefits for eligible veterans, service members and qualifying family members.

Not Sure Which Benefit You Have?

Apply through VA first and obtain your Certificate of Eligibility. Send a copy to HEO Academy Admissions so we can identify the school-side steps needed for enrollment.

GI Bill® Education Benefits

Chapters 30 & 33

Common programs include the Post-9/11 GI Bill® and Montgomery GI Bill®. Qualifying spouses or children may also use transferred or dependent benefits.

  • Apply for benefits through VA.gov
  • Obtain your Certificate of Eligibility
  • Send your COE to HEO Academy Admissions

Depending on the benefit used, approved tuition may be paid to HEO Academy or the student may receive a monthly education payment.

Eligibility and benefit amounts are determined by VA.

Veteran Readiness and Employment

VR&E — Chapter 31

VR&E may provide career training and employment support to qualifying veterans whose service-connected disability affects employment.

  • Approved career training may be included
  • Employment counseling and planning
  • Coordination through a VA counselor

Eligibility and approval are determined by VA and the assigned counselor.

What HEO Academy Needs

Enrollment Step

Admissions needs a copy of your Certificate of Eligibility or current VA education decision letter before completing the school certification process.

  • Apply for your VA benefit
  • Receive your COE
  • Send the COE to Admissions
  • Complete your enrollment documents

Need Help Understanding Your Benefits?

You may contact HEO Academy Admissions or Carlton Lawyer for help understanding VA education benefit options and application steps.

Carlton Lawyer
Education Program Coordinator
State Approving Agency for Veterans Training

GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs (VA). More information about education benefits offered by VA is available at the official U.S. government website at benefits.va.gov/gibill .

Trade-School Scholarships

Scholarships can reduce tuition costs, but most are better suited to students planning several months before their intended class date.

Start Early and Keep Applying

If you are not selected during one award cycle, continue watching the program and apply again whenever you remain eligible.

Mike Rowe WORKS Foundation

Start Here

This is the first outside scholarship HEO Academy recommends to students planning ahead for skilled-trade training.

HEO Academy students have successfully earned Mike Rowe WORKS scholarships, making this one of the strongest outside opportunities we recommend.

$9,100 Average Scholarship Award

Reported awards have ranged from $500 to $34,000 for qualifying skilled-trade students.

  • Created for skilled-trade students
  • Multiple funding rounds may be offered
  • Best for students planning months ahead

Requirements, award amounts and funding rounds are determined by the foundation.

Arkansas Workforce Challenge Scholarship

Arkansas Workforce Challenge Scholarship
Arkansas Students

Qualifying Arkansas residents may receive state scholarship assistance toward approved career training at HEO Academy. Apply online through SAMS.

Up to $3,000 Eligible Programs
  • 8-Week Heavy Equipment Operator Program
  • Class A CDL Training
Up to $1,500 Eligible Programs
  • Bulldozer Operator Training
  • Excavator Operator Training
  • Loader & Skid Steer Training
  • For qualifying Arkansas residents
  • Simple online SAMS application
  • Approved funds reduce tuition

Eligibility and final award amounts are determined by the Arkansas Division of Higher Education.

Bring Back the Trades

Bring Back the Trades
Skilled Trades

Scholarship opportunities for students preparing to enter skilled-trade careers. HEO Academy has previously had a student receive an award through this program.

  • Focused on skilled-trade education
  • Applications may be available year-round
  • Can supplement another funding source

Arkansas Single Parent Scholarship Fund

Arkansas Single Parent Scholarship Fund
Single Parents

Flexible scholarship assistance may be available to qualifying single parents completing education or skilled-trade training.

  • For qualifying single-parent students
  • Skilled-trade training may be eligible
  • Geographic requirements apply

Find Additional Scholarships

More Opportunities

Search reputable directories and verify that each opportunity allows vocational, technical or trade-school training.

  • Search for vocational-school awards
  • Check local foundations and organizations
  • Ask high-school counselors for local options

Planning to Start Soon?

Also review loans, government assistance and veteran benefits for options that may fit a shorter enrollment timeline.

Additional Funding Opportunities

Specialty assistance may be available based on tribal membership, agricultural work history, employer support or community connections.

Do Not Assume You Are Out of Options

Ask organizations you are already connected with and contact Admissions if you need help identifying where to begin.

Tribal Education and Workforce Assistance

Tribal Programs

Some federally recognized tribes provide education or workforce assistance to eligible members. HEO Academy has previously accepted funding through tribal programs.

  • Career-training assistance may be available
  • Benefits vary by tribe
  • Membership requirements may apply

Eligibility and available assistance are determined by the individual tribe or program.

National Farmworker Jobs Program

Agricultural Workers

If you've worked on a farm within the last two years—even seasonally or in a supporting role—you may qualify for assistance with career training at HEO Academy.

The application is simple and asks about your recent agricultural work history.

  • May be available to eligible agricultural workers
  • Recent farm work within the last two years
  • Simple online application

Employer and Community Sponsorships

Local Support

Employers, churches, nonprofit groups, foundations and community organizations sometimes help individuals pay for career training.

  • Ask employers about tuition assistance
  • Check churches and community groups
  • Look for local partial sponsorships

From Funding to Training

How Funding Works

Finding a way to pay for training does not have to be complicated. Explore your options, complete the application that fits your situation, and let our admissions team help you move toward class.

1

Explore Funding

Compare the financing and assistance options that may fit your situation.

2

Apply

Complete the application and provide any information requested by the funding program.

3

Finalize Funding

Review your approval and complete any remaining steps needed to finalize your funding.

4

Begin Training

Complete enrollment and start hands-on training at HEO Academy.