The cooperative program described in this paper is aimed at black high school students and combines the efforts of the Urban League of Greater Miami, Dade County Public Schools, Miami-Dade Community College (M-DCC), and participating universities nationwide. The program goals are the following: (1) to raise the aspirations of students in targeted high schools; (2) to motivate students to enroll in appropriate courses in preparation for college and to motivate them to a high level of academic achievement; (3) to facilitate the progress of participants through an Associate in Arts degree at Miami-Dade Community College to successful transfer to a university for completion of a bachelor's degree; and (4) to finance the college education of successful participants. A key element in the program is the establishment of scholarship "bank accounts" for each participant as a reward for academic performance. Dollars will be placed in the student's "bank account" based on final grade performance in academic courses in high school and at Miami-Dade Community College. The money will be used for full financing of four years of college education. Model funding for a scholarship "bank account," sample letters from M-DCC to prospective participating universities, and a sample of the agreement between M-DCC and a participating university are included. (FMW)