09.16.2025 By Amy Miller, AFC®

College Isn’t Just for Kids: How to Save for Your Own Learning Goals

Whether you’re pivoting to a new career, looking to finish a degree you started years ago, or simply want to explore a new field, continuing education is a powerful investment in your future.

When we think about saving for college, we often imagine parents setting aside money for their children’s education. But what about adults who want to go back to school themselves?

Whether you’re pivoting to a new career, looking to finish a degree you started years ago, or simply want to explore a new field, continuing education is a powerful investment in your future. And just like any other milestone, saving for it is a step toward success.

Why Adults Go Back to School

There are many reasons you might consider returning to school or pursuing additional education. Maybe you're looking to change careers or advance in your current role. You might be working toward a certification or license, preparing to launch a business, or simply exploring a personal passion or interest.

Whatever your motivation, continuing your education is an investment that brings both costs and rewards. The good news is that with thoughtful planning, it can be more affordable and far less stressful.

Start With a Goal

First, define what you're saving for:

  • Tuition or course fees
  • Books and supplies
  • Transportation or technology
  • Time away from work

Once you know your total goal amount, break it down into monthly or paycheck-based contributions.

Example:
If your program costs $2,400 and starts in 12 months, saving $200 a month gets you there on time.

Explore Your Funding Options

In addition to personal savings, look into these resources:

  • Employer tuition assistance – Many companies offer reimbursements or stipends for job-related learning.
  • Scholarships and grants – Yes, adults can apply too! Check out CareerOneStop’s scholarship finder
  • 529 Plans – You can use these tax-advantaged accounts for your own education.
  • Community programs – Local nonprofits and community colleges often have low-cost options.
  • Tax credits – Like the Lifetime Learning Credit.

 Automate It

Set up a separate savings account just for your education goals and automate a portion of your paycheck to go directly into it. Out of sight, out of mind, but building steadily.

Set a Timeline

It’s okay to take one class at a time. Maybe you’re aiming to take a course next semester or enroll in a full program next year. Put it on your calendar and work backward to build your savings timeline.

Don’t Forget the Free Stuff

From YouTube tutorials to free online courses from platforms like Coursera, edX, or LinkedIn Learning, there are countless opportunities to learn without a big price tag. These can be great stepping stones before making a larger investment.

You’re Worth Investing In

Pursuing education as an adult takes courage, commitment, and planning, but it’s absolutely possible. Whether you're headed to the classroom or logging into a certification program, saving now can reduce your future stress and open new doors.

 

Ready to take the next step?
Take the America Saves Pledge and choose “Education” as your savings goal to get tips, reminders, and support straight to your inbox.

 

Are you working toward a degree, certification, or new career path?
We want to hear from you! Submit Your Saver Story about how you're saving for your education goals and what inspired you to go back to school. Your journey could inspire others and we’ll send you a $50 gift card as a thank you!

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