Self-paced online courses with transferable, HLC-accredited credit through Upper Iowa University. Paid directly from your Education Freedom Account through ClassWallet, with no out-of-pocket cost and no reimbursement paperwork.
Request My Invoice Browse eligible coursesArkansas cut the year-to-year rollover cap from $20,000 to $8,500 starting this school year. Balances above the cap go back to the state. If your family has been saving EFA funds for something meaningful, transferable college credit is one of the highest-value ways to put that surplus to work before the year ends.
How It Works
Arkansas EFA funds are spent through ClassWallet. PrereqCourses uses the Direct Pay process, so your family never fronts the money and never files reimbursement paperwork.
Choose the course or bundle that fits your student's goals and tell us who it's for. We email your itemized invoice within 2 business days.
Upload the invoice to your ClassWallet account using Direct Pay. The Arkansas Department of Education reviews and approves the expense before any money moves.
Once payment is released, we enroll your student in the next monthly start. Courses begin the 1st of each month and are self-paced, so your student works on their own schedule.
Arkansas's updated 2026-27 rules added pre-approval and receipt requirements for many reimbursed purchases. Direct Pay sidesteps all of that: the approval happens once, up front, and payment goes straight from ClassWallet to PrereqCourses. Our team walks you through your first submission step by step.
The Math
EFA students receive $7,208 for the 2026-27 school year, deposited quarterly into ClassWallet. Here is what one three-credit college course looks like against that award.
Deposits per year. Funds land in ClassWallet quarterly, with the first 2026-27 deposit expected in August.
Arkansas families applied for EFAs for 2026-27, up from roughly 44,000 participants last year.
Out of pocket. Direct Pay sends funds from ClassWallet straight to PrereqCourses. No fronting money, no reimbursement forms.
Eligible Courses
Every course is delivered fully online, self-paced, and awards credit through Upper Iowa University on an official transcript. Two popular tracks for EFA families:
Foundational general education credits that transfer toward nearly any degree. The classic head start.
For teens aiming at nursing, PA, pharmacy, or other health careers: knock out the prerequisites that create waitlists later.
Over 100 courses are available across science, math, English, social science, and healthcare subjects. See the full catalog and pricing
Why Families Choose This
The EFA was created under the LEARNS Act to let families direct education dollars to what their student actually needs. Every expense is reviewed by the Arkansas Department of Education, and our process is designed to make that review easy.
PrereqCourses is registered and approved as a vendor in Arkansas's ClassWallet system, so invoices flow through the official Direct Pay process the Department of Education already uses.
Every invoice lists the course name, subject, and credit hours, so the educational purpose is obvious to the reviewer. That keeps approvals clean and predictable.
Arkansas's updated rules mean many purchases now require pre-approval, receipts, and reimbursement waits. Direct Pay tuition skips that entirely. One approval, then your student is enrolled.
Lawmakers tightened the rules to keep EFA dollars tied to classroom learning. Accredited college coursework in core academic subjects is exactly the kind of expense the program was built for.
Real Credit, Not a Certificate
What "HLC-accredited" means for your family
The Higher Learning Commission is one of the major institutional accreditors recognized by the U.S. Department of Education. It accredits universities like the University of Arkansas and Arkansas State.
Because credit is awarded through an HLC-accredited university, it carries the same institutional standing as credit earned on a campus. When your student applies to college, these credits arrive on a real university transcript.
Questions Families Ask
PrereqCourses is an approved vendor in Arkansas's ClassWallet system, and each purchase is reviewed and approved by the Arkansas Department of Education before payment is released. Our invoices itemize the course, subject, and credit hours so the educational purpose is clear to the reviewer.
Plan on one to two weeks for the Department of Education to review a Direct Pay invoice, sometimes faster. Because courses are self-paced and start the 1st of every month, enrollment begins with the next monthly start after payment is released.
Deposits land in ClassWallet quarterly. Based on last year's calendar, the first 2026-27 deposit is expected in August, with three more spread across the school year. Rollover funds from last year are already in your account and can be used now.
Starting in 2026-27, the amount of unused EFA funds that can carry over from year to year drops from $20,000 to $8,500, or your student's annual allocation, whichever is less. Balances above the cap return to the state, which is why many families are choosing to put surplus funds toward larger, lasting purchases like accredited college credit.
Yes. Our courses are self-paced and built for independent learners, and motivated high school students complete them successfully every term. There is no separate university admissions process to enroll in a course.
Credits are awarded through Upper Iowa University, which is HLC-accredited, and post to an official university transcript. Transfer decisions always rest with the receiving college, but regionally accredited general education credit is the most widely accepted category of transfer credit there is. We are happy to help you check a specific college's transfer policy before enrolling.
No. With Direct Pay, funds move from your ClassWallet account to PrereqCourses after the Department of Education approves the invoice. You never front the tuition or wait on a reimbursement.
Refunds of EFA-funded purchases are returned to your student's EFA account through ClassWallet, in line with program rules. Our full refund policy is published on our site.
Tell us which course your student wants and we will email a ClassWallet-ready, itemized invoice within 2 business days, along with step-by-step submission instructions.
Your ClassWallet-ready, itemized invoice is on its way. We will email it within 2 business days, along with step-by-step submission instructions.
Questions first? Call 1-833-656-1651. We will walk you through your first ClassWallet submission.
