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Financial Skills & Scholarships

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Build money skills for a chance to win a scholarship¹

Give your child the tools to build real-world personal finance skills in the New York Life Financial Empowerment Scholarship game, powered by Zogo. High school juniors and seniors can participate and earn a chance to be awarded up to $20,000 in scholarship money!

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How it works

Help your high schooler take the first step toward financial confidence. Getting started is easy—your junior or senior can qualify for the scholarship in just a few steps.

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Step 1

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Step 2

Student downloads the Zogo app from the Apple App Store or Google Play and registers with the access code

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Step 3

Student completes at least 25 learning modules in the Zogo game to qualify to apply for the scholarship

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Step 4

Student applies for the scholarship, providing all information requested, on the Scholarship America website

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Your questions, answered

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Scholarship eligibility

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What are the scholarship rules?

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Please refer to the official New York Life Financial Empowerment Scholarship Official Rules for more details on eligibility, requirements, and award guidelines.

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What's my role as a parent in this?

Once you follow step 1 above to register, you'll receive an access code that you can share with your teenager. You'll be granting them permission to register for and play the financial education game within the Zogo app.

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Are there any age restrictions for who can play?

Students ages 13 and up are welcome to download the Zogo app with parental permission. However, only high school juniors and seniors are eligible for the New York Life Financial Empowerment Scholarship.

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Do I have to be a citizen to participate in the scholarship?

No, only legal residency in the United States is required to participate in the scholarship.

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Who's eligible for the scholarship?

Applicants must be current high school juniors or seniors at the time of application and must reside in the United States. High school seniors must plan to enroll full-time in an undergraduate program at an accredited 2- or 4-year college, university, vocational-technical school, or CEGEP (or equivalent) for the upcoming academic year. High school juniors will have their scholarship deferred for one year and must enroll in the academic year that follows. Children of New York Life employees, agents, and vendors are not eligible.

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What if my child is not a high school junior or senior?

If your child is not a junior or senior in high school, they’re still eligible to play the game and win rewards (gift cards) within the app, but they will not be eligible to apply for the scholarship.

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How to qualify to apply for the scholarship

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How many modules need to be completed to be eligible to apply for the scholarship?

At least 25 modules need to be completed to qualify to apply for the $10,000 scholarship and at least 50 for the $20,000 scholarship.

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What's the deadline for the scholarship?

The New York Life Financial Empowerment Scholarship will launch on May 5th, 2025, and entries close on August 25th, 2025.

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What's the application process for the scholarship?

Once the required number of modules are completed, the junior or senior high school student will be eligible to apply for the scholarship on the Scholarship America website. They’ll be required to write an essay and enter applicable information, including their high school credentials.

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Scholarships and prizes

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How will I find out if I won a scholarship?

Winners will be notified using the email address and phone number provided in the scholarship application process.

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How will the scholarship money be distributed?

The scholarship money will be paid directly to the student’s higher education institution, vocational training school, or trade school.

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What are the scholarship amounts?

There are a limited number of $20,000 and $10,000 scholarships that will be awarded.

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If I qualify for the $20,000 scholarship, am I still eligible for the $10,000 scholarship?

If you complete at least 50+ modules, you’ll be considered for both scholarships—but you’ll only receive one if selected.

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How do gift cards in the Zogo app work?

You can earn “coins,” the app’s currency, by completing modules. These coins can be exchanged for gift cards within the game “Marketplace,” regardless of scholarship outcomes. Redeemed gift cards are sent via email.

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Using the Zogo app & tracking progress

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How does the app track how many modules are completed?

Your progress will automatically be tracked in the Zogo app and associated with your email address. A status tracker in the Zogo app will show you how many modules you’ve completed and how many more you need to complete to reach the next level.

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How do I make sure I get credit for completing the necessary number of modules?

In order to verify you completed the necessary number of modules, use the same email address and name to register for the Zogo app and on the Scholarship America application. If you registered for Zogo with the wrong email address, you can change it by editing your email address in your profile.

You will also be asked to opt-in to share information with New York Life so Zogo can share your module completion data with both New York Life and Scholarship America. Please make sure you check your email address and opt-in to sharing in the profile section before the scholarship application deadline.

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If I already had an account with the Zogo app, how do I transfer it?

Users with existing accounts have to request an app transfer. If your transfer isn’t complete within 72 hours, please reach out to the team at scholarships@zogofinance.com. Make sure to include New York Life in the subject line of your email.

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Prepare for your family’s future

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New York Life’s financial professionals offer expertise to help families secure their financial future and build long-term stability.

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¹The New York Life Financial Empowerment Scholarship is managed and administered by Scholarship America, Inc.

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Contact Us

Baltimore General Office

Scott D. Caggiano, CLF

Managing Partner