5-Cap Ratings

We assign a rating to each state-sponsored program ranging from one cap (least attractive) to five caps (most attractive). The 5-Cap Rating represents our opinion of the overall usefulness of a state's 529 plan based on many considerations.

The 5-Cap Rating is not strictly a measure of historical returns and it is not a predictor of future investment performance, level of investment risk, or financial solvency of the program funds. For more information on the criteria used in assigning a 5-Cap Rating, click HERE.

Alabama
CollegeCounts 529 Fund	(Resident Rating)	(Non-Resident Rating)
Higher Education 529 Fund (Adviser-sold)	(Resident Rating)	(Non-Resident Rating)
Prepaid Affordable College Tuition (PACT) Program	(Resident Rating)	(Non-Resident Rating)
Alaska
John Hancock Freedom 529	(Resident Rating)	(Non-Resident Rating)
T. Rowe Price College Savings Plan	(Resident Rating)	(Non-Resident Rating)
University of Alaska College Savings Plan	(Resident Rating)	(Non-Resident Rating)
Arizona
Arizona Family College Savings Program - CollegeSure® 529 Plan	(Resident Rating)	(Non-Resident Rating)
Fidelity Arizona College Savings Plan	(Resident Rating)	(Non-Resident Rating)
InvestEd Plan	(Resident Rating)	(Non-Resident Rating)
Arkansas
GIFT College Investing Plan	(Resident Rating)	(Non-Resident Rating)
iShares 529 Plan	(Resident Rating)	(Non-Resident Rating)
California
ScholarShare Advisor College Savings Plan	(Resident Rating)	(Non-Resident Rating)
The ScholarShare College Savings Plan	(Resident Rating)	(Non-Resident Rating)
Colorado
Direct Portfolio College Savings Plan	(Resident Rating)	(Non-Resident Rating)
Prepaid Tuition Fund	(Resident Rating)	(Non-Resident Rating)
Scholars Choice College Savings Program	(Resident Rating)	(Non-Resident Rating)
Smart Choice College Savings Plan	(Resident Rating)	(Non-Resident Rating)
Stable Value Plus College Savings Program	(Resident Rating)	(Non-Resident Rating)
Connecticut
Connecticut Higher Education Trust (CHET)	(Resident Rating)	(Non-Resident Rating)
Delaware
Delaware College Investment Plan	(Resident Rating)	(Non-Resident Rating)
District of Columbia
DC 529 College Savings Program (Adviser-sold)	(Resident Rating)	(Non-Resident Rating)
DC 529 College Savings Program (Direct-sold)	(Resident Rating)	(Non-Resident Rating)
Florida
Florida College Investment Plan	(Resident Rating)	(Non-Resident Rating)
Florida Prepaid College Plan	(Resident Rating)	(Non-Resident Rating)
Georgia
Path2College 529 Plan	(Resident Rating)	(Non-Resident Rating)
Hawaii
Hawaii's College Savings Program	(Resident Rating)	(Non-Resident Rating)
Idaho
Idaho College Savings Program (IDeal)	(Resident Rating)	(Non-Resident Rating)
Illinois
Bright Directions College Savings Program	(Resident Rating)	(Non-Resident Rating)
Bright Start College Savings Program - Advisor-sold Plan	(Resident Rating)	(Non-Resident Rating)
Bright Start College Savings Program - Direct-sold Plan	(Resident Rating)	(Non-Resident Rating)
College Illinois! 529 Prepaid Tuition Program	(Resident Rating)	(Non-Resident Rating)
Indiana
CollegeChoice 529 Direct Savings Plan	(Resident Rating)	(Non-Resident Rating)
CollegeChoice Advisor 529 Savings Plan	(Resident Rating)	(Non-Resident Rating)
Iowa
College Savings Iowa	(Resident Rating)	(Non-Resident Rating)
Iowa Advisor 529 Plan	(Resident Rating)	(Non-Resident Rating)
Kansas
Learning Quest 529 Education Savings Program (Direct-sold)	(Resident Rating)	(Non-Resident Rating)
Learning Quest Advisor	(Resident Rating)	(Non-Resident Rating)
Schwab 529 College Savings Plan	(Resident Rating)	(Non-Resident Rating)
Kentucky
Kentucky Education Savings Plan Trust	(Resident Rating)	(Non-Resident Rating)
Kentucky's Affordable Prepaid Tuition (KAPT)	(Resident Rating)	(Non-Resident Rating)
Louisiana
START Saving Program	(Resident Rating)	(Non-Resident Rating)
Maine
NextGen College Investing Plan - Client Direct Series	(Resident Rating)	(Non-Resident Rating)
NextGen College Investing Plan - Client Select Series	(Resident Rating)	(Non-Resident Rating)
Maryland
College Savings Plans of Maryland - College Investment Plan	(Resident Rating)	(Non-Resident Rating)
College Savings Plans of Maryland - Prepaid College Trust	(Resident Rating)	(Non-Resident Rating)
Massachusetts
U.Fund College Investing Plan	(Resident Rating)	(Non-Resident Rating)
U.Plan	(Resident Rating)	(Non-Resident Rating)
Michigan
MI 529 Advisor Plan	(Resident Rating)	(Non-Resident Rating)
Michigan Education Savings Program	(Resident Rating)	(Non-Resident Rating)
Michigan Education Trust	(Resident Rating)	(Non-Resident Rating)
Minnesota
Minnesota College Savings Plan	(Resident Rating)	(Non-Resident Rating)
Mississippi
MACS 529 Advisor Program	(Resident Rating)	(Non-Resident Rating)
Mississippi Affordable College Savings (MACS) Program	(Resident Rating)	(Non-Resident Rating)
Mississippi Prepaid Affordable College Tuition (MPACT) Program	(Resident Rating)	(Non-Resident Rating)
Missouri
MOST - Missouri's 529 Advisor Plan	(Resident Rating)	(Non-Resident Rating)
MOST - Missouri's 529 College Savings Plan (Direct-sold)	(Resident Rating)	(Non-Resident Rating)
Montana
Montana Family Education Savings Program - CollegeSure® 529 Plan	(Resident Rating)	(Non-Resident Rating)
Pacific Life Funds 529 College Savings Plan (Adviser-sold) MT	(Resident Rating)	(Non-Resident Rating)
Pacific Life Funds 529 College Savings Plan (Direct-sold) MT	(Resident Rating)	(Non-Resident Rating)
Nebraska
AIM College Savings Plan	(Resident Rating)	(Non-Resident Rating)
College Savings Plan of Nebraska (Adviser-sold)	(Resident Rating)	(Non-Resident Rating)
College Savings Plan of Nebraska (Direct-sold)	(Resident Rating)	(Non-Resident Rating)
State Farm College Savings Plan	(Resident Rating)	(Non-Resident Rating)
TD Ameritrade 529 College Savings Plan	(Resident Rating)	(Non-Resident Rating)
Nevada
Columbia 529 Plan	(Resident Rating)	(Non-Resident Rating)
Nevada Prepaid Tuition Program	(Resident Rating)	(Non-Resident Rating)
The Upromise College Fund	(Resident Rating)	(Non-Resident Rating)
The Vanguard 529 Savings Plan	(Resident Rating)	(Non-Resident Rating)
USAA College Savings Plan	(Resident Rating)	(Non-Resident Rating)
New Hampshire
Fidelity Advisor 529 Plan	(Resident Rating)	(Non-Resident Rating)
UNIQUE College Investing Plan	(Resident Rating)	(Non-Resident Rating)
New Jersey
Franklin Templeton 529 College Savings Plan	(Resident Rating)	(Non-Resident Rating)
NJBEST 529 College Savings Plan	(Resident Rating)	(Non-Resident Rating)
New Mexico
Scholar'sEdge	(Resident Rating)	(Non-Resident Rating)
The Education Plan's College Savings Program	(Resident Rating)	(Non-Resident Rating)
New York
New York's 529 College Savings Program - Advisor Plan	(Resident Rating)	(Non-Resident Rating)
New York's 529 College Savings Program - Direct Plan	(Resident Rating)	(Non-Resident Rating)
North Carolina
National College Savings Program	(Resident Rating)	(Non-Resident Rating)
North Dakota
College SAVE	(Resident Rating)	(Non-Resident Rating)
Ohio
BlackRock CollegeAdvantage 529 Plan	(Resident Rating)	(Non-Resident Rating)
Ohio CollegeAdvantage - Guaranteed Savings Fund	(Resident Rating)	(Non-Resident Rating)
Ohio CollegeAdvantage 529 Savings Plan	(Resident Rating)	(Non-Resident Rating)
Putnam CollegeAdvantage	(Resident Rating)	(Non-Resident Rating)
Oklahoma
Oklahoma College Savings Plan	(Resident Rating)	(Non-Resident Rating)
Oklahoma Dream 529 Plan	(Resident Rating)	(Non-Resident Rating)
Oregon
MFS 529 Savings Plan	(Resident Rating)	(Non-Resident Rating)
OppenheimerFunds 529 Plan	(Resident Rating)	(Non-Resident Rating)
Oregon College Savings Plan	(Resident Rating)	(Non-Resident Rating)
Other
Independent 529 Plan	(Resident Rating)	(Non-Resident Rating)
Pennsylvania
Pennsylvania 529 Guaranteed Savings Plan	(Resident Rating)	(Non-Resident Rating)
Pennsylvania 529 Investment Plan	(Resident Rating)	(Non-Resident Rating)
Rhode Island
CollegeBoundfund (Adviser-sold)	(Resident Rating)	(Non-Resident Rating)
CollegeBoundfund (Direct-sold, Alternative R)	(Resident Rating)	(Non-Resident Rating)
South Carolina
Future Scholar 529 College Savings Plan (Adviser-sold)	(Resident Rating)	(Non-Resident Rating)
Future Scholar 529 College Savings Plan (Direct-sold)	(Resident Rating)	(Non-Resident Rating)
South Carolina Tuition Prepayment Program	(Resident Rating)	(Non-Resident Rating)
South Dakota
CollegeAccess 529 (Adviser-sold)	(Resident Rating)	(Non-Resident Rating)
CollegeAccess 529 (Direct-sold)	(Resident Rating)	(Non-Resident Rating)
Tennessee
Tennessee's BEST Prepaid College Tuition Plan	(Resident Rating)	(Non-Resident Rating)
Texas
Lonestar 529 Plan	(Resident Rating)	(Non-Resident Rating)
Texas College Savings Plan	(Resident Rating)	(Non-Resident Rating)
Texas Guaranteed Tuition Plan	(Resident Rating)	(Non-Resident Rating)
Texas Tuition Promise Fund	(Resident Rating)	(Non-Resident Rating)
Utah
Utah Educational Savings Plan (UESP) Trust	(Resident Rating)	(Non-Resident Rating)
Vermont
Vermont Higher Education Investment Plan	(Resident Rating)	(Non-Resident Rating)
Virginia
CollegeAmerica	(Resident Rating)	(Non-Resident Rating)
CollegeWealth	(Resident Rating)	(Non-Resident Rating)
Virginia Education Savings Trust (VEST)	(Resident Rating)	(Non-Resident Rating)
Virginia Prepaid Education Program (VPEP)	(Resident Rating)	(Non-Resident Rating)
Washington
Guaranteed Education Tuition (GET)	(Resident Rating)	(Non-Resident Rating)
West Virginia
SMART529 Prepaid Tuition Plan	(Resident Rating)	(Non-Resident Rating)
SMART529 Select	(Resident Rating)	(Non-Resident Rating)
SMART529 WV Direct College Savings Plan	(Resident Rating)	(Non-Resident Rating)
The Hartford SMART529	(Resident Rating)	(Non-Resident Rating)
Wisconsin
EdVest (Adviser-sold)	(Resident Rating)	(Non-Resident Rating)
EdVest (Direct-sold)	(Resident Rating)	(Non-Resident Rating)
tomorrow's scholar	(Resident Rating)	(Non-Resident Rating)
Wyoming
Direct Portfolio College Savings Plan WY	(Resident Rating)	(Non-Resident Rating)
Stable Value Plus College Savings Plan	(Resident Rating)	(Non-Resident Rating)