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How to pay · 2026–27

How to pay with ESA funds

Choose your state for its payment steps and PencilGo status.

PencilGo and ClassWallet DirectPay

  1. 1

    Confirm the vendor and item

    Check that the provider and exact expense meet your program’s current rules.

  2. 2

    Submit the vendor invoice in ClassWallet

    Follow your program’s marketplace or DirectPay instructions and attach the itemized invoice when required.

  3. 3

    Wait for program review

    The program decides whether to approve the expense and pay the vendor. Keep the purchase records.

Compare payment routes in every state

Which route each state uses

State and programPays vendors throughSteps
AlabamaCHOOSE Act AlabamaClassWalletHow to pay in Alabama
ArizonaEmpowerment Scholarship AccountClassWalletHow to pay in Arizona
ArkansasEducation Freedom AccountClassWalletHow to pay in Arkansas
FloridaFamily Empowerment Scholarships and PEPEMA / MyScholarShop (Step Up)How to pay in Florida
GeorgiaGeorgia Promise ScholarshipOdysseyHow to pay in Georgia
IndianaIndiana Education Scholarship AccountClassWalletHow to pay in Indiana
IowaStudents First Education Savings AccountOdysseyHow to pay in Iowa
LouisianaLA GATOR Scholarship ProgramOdysseyHow to pay in Louisiana
MississippiEducation Scholarship AccountMDE reimbursementHow to pay in Mississippi
MontanaSpecial Needs Equal Opportunity Education Savings AccountOPI reimbursementHow to pay in Montana
New HampshireEducation Freedom AccountClassWalletHow to pay in New Hampshire
North CarolinaEducation Student Accounts (ESA+)ClassWalletHow to pay in North Carolina
South CarolinaEducation Scholarship Trust FundClassWalletHow to pay in South Carolina
TennesseeEducation Freedom Scholarship and targeted ESA programsTheoLearningHow to pay in Tennessee
TexasTexas Education Freedom AccountsOdysseyHow to pay in Texas
UtahUtah Fits All ScholarshipOdysseyHow to pay in Utah
West VirginiaHope ScholarshipTheoPay (Student First)How to pay in West Virginia
WyomingSteamboat Legacy ScholarshipOdysseyHow to pay in Wyoming

Every way a program pays a vendor

ClassWallet

Sign in to your program's ClassWallet account. Search for the name shown above in the marketplace or under Pay Vendor / DirectPay. Submit the purchase or the vendor's invoice for your program's review. The program decides whether to approve and pay.

Odyssey marketplace

Sign in to your program's Odyssey account. Search for the name shown above. Check whether your exact offering is available and approved. Follow the program's current purchase steps only after it confirms the offering is eligible.

State program marketplace

Sign in to the program's family portal. Search for the name shown above and confirm the exact offering is approved. Submit the purchase for program review and payment.

Invoice or reimbursement

Ask the vendor for an invoice or quote made out to the program. Submit it through your program's expense or reimbursement process. Wait for the program's decision before treating the purchase as covered.

Before buying: The program decides whether the exact item and payment route qualify. A direct card purchase may not be reimbursed.

More about ESA purchase decisions

Provider approval or a marketplace listing does not approve every product or confirm that a funded purchase can be made. Check your program's current rules and payment route before buying; a direct card purchase does not guarantee reimbursement. This hub is educational information, not legal, tax or eligibility advice. PencilGo is independent of state agencies.

How to pay a vendor, by state