; (E) improving availability of and access to STEM-related worker training programs, including community college-based courses and programs; (F) providing employment-based STEM education and training programs, including apprenticeship programs; and (G) carrying out other activities approved by the Secretary of Education to improve STEM education and training. (3) Allocation of funds (A) National activities The Secretary of Education may reserve up to 2 percent of the amounts deposited into the Promoting American Ingenuity Account for national research, development, demonstration, evaluation, and dissemination activities carried out directly or through grants, contracts, or cooperative agreements, including— (i) activities undertaken jointly with other Federal agencies, such as STEM mission agencies; and (ii) grants to nonprofit organizations for nationally significant activities consistent with the purposes of the Immigration Innovation Act of 2018 . (B) American dream accounts (i) Grants authorized The Secretary of Education shall allocate 5 percent of the amounts deposited into the Promoting American Ingenuity Account to award grants, on a competitive basis, to eligible entities to enable such entities to establish and administer American Dream Accounts. (ii) Purpose of accounts American Dream Accounts shall be personal, online accounts for low-income students, who are, at the time of application, attending a grade not higher than ninth grade, that include a college savings account, monitor progress toward higher education, and provide opportunities, including mentoring— (I) to gain financial literacy skills; (II) to learn about preparing for enrollment in an institution of higher education