The primary mission of ARCH is to help students achieve admission to competitive universities around the country, be able to afford those universities, and give those students the necessary skills to thrive at a competitive university.

The United States has over 5,000 colleges and universities. The Phoenix Union High School District has a page highlighting the Most Generous Colleges and Universities. The list below takes the detailed list of schools from that page and narrows them to schools that have taken significant steps to shift away from offering loans; in other words, these schools provide generous financial aid in ways that will help most students avoid debt.

Many of the schools below also appeared in an October 2022 article on CNBC.

Each school's website is linked below. Check for additional schools and additional updated information from other sources, such as CollegeBoard.

These schools are highly competitive (accept less than 25% of applicants):