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529 PLANS

Compare by Features

Plan Significant time or age restrictions imposed by the program:
CollegeCounts 529 Fund
Alabama
None
CollegeCounts 529 Fund Advisor Plan
Alabama
None
Prepaid Affordable College Tuition (PACT) Program
Alabama
The beneficiary must be in the 9th grade or below and under the age of 18 at the time of enrollment. Contract benefits must generally be used within 10 years of the beneficiary's projected college entrance date.
John Hancock Freedom 529
Alaska
None
T. Rowe Price College Savings Plan
Alaska
None
University of Alaska College Savings Plan
Alaska
None
Arizona Family College Savings Program
Arizona
CollegeSureŽ CDs have maturities ranging from one year to 22 years. InvestorSure CDs have a five-year maturity. Fixed-rate CDs have one- or three-year maturities. The CDs are subject to early redemption penalties ranging from 1% to 10% of principal for withdrawals prior to maturity.
Fidelity Arizona College Savings Plan
Arizona
None
Ivy Funds InvestEd Plan
Arizona
None
GIFT College Investing Plan
Arkansas
None
iShares 529 Plan
Arkansas
None
The ScholarShare College Savings Plan
California
None
Direct Portfolio College Savings Plan
Colorado
None
Prepaid Tuition Fund
Colorado
Units must be used within 10 years of the first payout date, unless an extension is granted.
Scholars Choice College Savings Program
Colorado
None
Smart Choice College Savings Plan
Colorado
None, except the One-Year Time Savings Account option is subject to early withdrawal penalties.
Stable Value Plus College Savings Program
Colorado
None
Connecticut Higher Education Trust (CHET)
Connecticut
None
Connecticut Higher Education Trust (CHET) -- Advisor Plan
Connecticut
None
Delaware College Investment Plan
Delaware
None
DC 529 College Savings Program (Advisor-sold)
District of Columbia
None
DC 529 College Savings Program (Direct-sold)
District of Columbia
None
Florida 529 Savings Plan
Florida
None
Florida Prepaid College Plan
Florida
The beneficiary must be under 21 years of age and in the 11th grade or younger at the time of enrollment. Plan benefits must be used within 10 years after the expected date of college enrollment (not counting time in the military), unless an extension is requested.
Path2College 529 Plan
Georgia
None
Hawaii's College Savings Program
Hawaii
None
Idaho College Savings Program (IDeal)
Idaho
None
Bright Directions College Savings Program
Illinois
None.
Bright Start College Savings Program -- Advisor-sold Plan
Illinois
None
Bright Start College Savings Program -- Direct-sold Plan
Illinois
None
College Illinois! Prepaid Tuition Program
Illinois
The contract must be purchased at least three years before benefits are used to pay for tuition and fees. The beneficiary must begin using contract benefits within 10 years of the projected enrollment date and then has 10 years to use the benefits.
CollegeChoice 529 Direct Savings Plan
Indiana
For Indiana taxpayers claiming a state tax credit on contributions, the account must remain open for at least one year to avoid recapture of the tax credit on distributions used to pay qualified education expenses.
CollegeChoice Advisor 529 Savings Plan
Indiana
For Indiana taxpayers claiming a state tax credit on contributions, the account must remain open for at least one year to avoid recapture of the tax credit on distributions used to pay qualified education expenses.
CollegeChoice CD 529 Savings Plan
Indiana
CollegeSureŽ CDs have maturities ranging from one year to 22 years. InvestorSure CDs have a five-year maturity. Fixed-rate CDs have one- or three-year maturities. The CDs are subject to early redemption penalties ranging from 1% to 10% of principal for withdrawals prior to maturity.
College Savings Iowa
Iowa
None
IAdvisor 529 Plan
Iowa
None
Learning Quest 529 Education Savings Program (Direct-sold)
Kansas
None
Learning Quest Advisor
Kansas
None
Schwab 529 College Savings Plan
Kansas
None
Kentucky Education Savings Plan Trust
Kentucky
None
Kentucky's Affordable Prepaid Tuition (KAPT)
Kentucky
Two years must lapse from the first payment due date, and all scheduled payments must be received, before tuition benefits may be used.
START Saving Program
Louisiana
Refunds requested from the Fixed Earnings fund within 12 months of opening the account will not return any interest.
NextGen College Investing Plan -- Client Direct Series
Maine
None
NextGen College Investing Plan -- Client Select Series
Maine
None
College Savings Plans of Maryland -- College Investment Plan
Maryland
None
College Savings Plans of Maryland -- Prepaid College Trust
Maryland
Beneficiaries must be in the 12th grade or younger at the time of program enrollment and must be enrolled for at least 3 years before they are eligible to receive tuition benefits. Benefits must start to be used within 10 years after the beneficiary's projected date of high school graduation, not including years spent in the U.S. military.
U.Fund College Investing Plan
Massachusetts
None
U.Plan
Massachusetts
A tuition certificate must be redeemed within 6 years after its maturity date.
Michigan Education Savings Program
Michigan
None
Michigan Education Trust
Michigan
Contract benefits must be used within 15 years after the projected college entrance date.
Minnesota College Savings Plan
Minnesota
None
Mississippi Affordable College Savings (MACS) Program
Mississippi
None
Mississippi Prepaid Affordable College Tuition (MPACT) Program
Mississippi
The beneficiary must be 18 years old or younger at the time of program enrollment. Contract benefits must be used within eight years of the beneficiary's projected college entrance date.
MOST - Missouri's 529 Advisor Plan
Missouri
None
MOST - Missouri's 529 College Savings Plan (Direct-sold)
Missouri
None
Montana Family Education Savings Program -- Bank Plan
Montana
CollegeSureŽ CDs have maturities ranging from one year to 22 years. InvestorSure CDs have a five-year maturity. Fixed-rate CDs have one- or three-year maturities. The CDs are subject to early redemption penalties ranging from 1% to 10% of principal for withdrawals prior to maturity.
Montana Family Education Savings Program -- Investment Plan
Montana
Qualified withdrawals from this plan within three years of establishing the account are subject to Montana tax at the highest Montana marginal rate to the extent of prior Montana tax deductions, but only after removal of non-deducted contributions.
Nebraska Education Savings Trust -- Advisor College Savings Plan
Nebraska
None
Nebraska Education Savings Trust -- Direct College Savings Plan
Nebraska
None
State Farm College Savings Plan
Nebraska
None
TD Ameritrade 529 College Savings Plan
Nebraska
None
Nevada Prepaid Tuition Program
Nevada
The beneficiary must be in the 9th grade or below and 18 years old or younger at the time the contract is purchased. The beneficiary has up to ten years from high school graduation or until age 30 to begin using benefits, with extensions granted for military service.
Putnam 529 for America
Nevada
None
SSgA Upromise 529 Plan
Nevada
None
The Vanguard 529 Savings Plan
Nevada
None
USAA 529 College Savings Plan
Nevada
None
Fidelity Advisor 529 Plan
New Hampshire
None
UNIQUE College Investing Plan
New Hampshire
None
Franklin Templeton 529 College Savings Plan
New Jersey
None
NJBEST 529 College Savings Plan
New Jersey
None
Scholar'sEdge
New Mexico
None
The Education Plan's College Savings Program
New Mexico
None
New York's 529 Advisor-Guided College Savings Plan
New York
None
New York's 529 College Savings Program -- Direct Plan
New York
None
National College Savings Program
North Carolina
None
College SAVE
North Dakota
None
BlackRock CollegeAdvantage 529 Plan
Ohio
None
Ohio CollegeAdvantage -- Guaranteed Savings Fund
Ohio
The redemption value for any units withdrawn, reallocated or rolled over to another 529 plan prior to age 18 will be actuarially calculated. Beneficiary changes are not allowed once the beneficiary reaches age 22, and are subject to restrictions prior to reaching age 22. Remaining tuition units must be withdrawn when the beneficiary reaches age 28 unless the beneficiary is still attending college.
Ohio CollegeAdvantage 529 Savings Plan
Ohio
None
Oklahoma College Savings Plan
Oklahoma
None
Oklahoma Dream 529 Plan
Oklahoma
None
MFS 529 Savings Plan
Oregon
None.
Oregon College Savings Plan
Oregon
None.
Private College 529 Plan
Other
A minimum of 36 months must lapse between the initial purchase date of a Tuition Certificate and its first redemption. A Tuition Certificate must be used by the 30th anniversary of its purchase or it will be cancelled for the refund amount. A refund may be requested only after 12 months have expired since the initial purchase date.
Pennsylvania 529 Guaranteed Savings Plan
Pennsylvania
There is an approximate one-year wait after a contribution is made before tuition inflation growth associated with the contribution can be used to pay for college expenses. A non-qualified withdrawal of less than the entire account can be requested one time per year.
Pennsylvania 529 Investment Plan
Pennsylvania
None
CollegeBoundfund (Advisor-sold)
Rhode Island
None
CollegeBoundfund (Direct-sold, Alternative RI)
Rhode Island
None
Future Scholar 529 College Savings Plan (Advisor-sold)
South Carolina
None
Future Scholar 529 College Savings Plan (Direct-sold)
South Carolina
None
South Carolina Tuition Prepayment Program
South Carolina
The beneficiary must be in the 10th grade or below as of the beginning of the enrollment period. Contract benefits must be used by the time the beneficiary is 30 years old, with extensions of up to four years granted for military service.
CollegeAccess 529 (Advisor-sold)
South Dakota
None
CollegeAccess 529 (Direct-sold)
South Dakota
None
Tennessee's BEST Prepaid College Tuition Plan
Tennessee
The first payout date must be at least two calendar years after the beneficiary is enrolled in the program and not before the beneficiary has been accepted for enrollment in an institution of higher education. Any subsequent deposit must have been on the beneficiary's account for at least two years before the funds may be paid out.
TNStars College Savings 529 Program
Tennessee
Any contribution made to an account must be on the account for 60 days before it can be withdrawn. Withdrawal requests can take up to 60 days to process.
Lonestar 529 Plan
Texas
None
Texas College Savings Plan
Texas
None
Texas Guaranteed Tuition Plan
Texas
The beneficiary must not have graduated from high school at the time of enrollment. Contract benefits must be used within a 10-year period beginning on the date the beneficiary is projected to graduate from high school, with extensions granted for military service.
Texas Tuition Promise Fund
Texas
The beneficiary may not use the tuition units within three years of the date the units were purchased. Tuition units must be used within ten years after the projected date of high school graduation, excluding any periods of active duty service in the United States Armed Forces.
Utah Educational Savings Plan (UESP)
Utah
None. The requirement that distributions begin by a certain age or date was removed in 2008.
Vermont Higher Education Investment Plan
Vermont
None
CollegeAmerica
Virginia
The account must be used within 30 years after the beneficiary graduates from high school or within 30 years after opening the account, whichever is later.
CollegeWealth
Virginia
Accounts must be used within ten years after the projected date of high school graduation or, if later, within ten years of opening the account, unless an extension is granted.
Virginia529 inVEST
Virginia
The account must be used within thirty years after the projected date of high school graduation, or within thirty years after account is opened if the beneficiary has already graduated from high school, unless an extension is granted by the program.
Virginia529 prePAID
Virginia
The beneficiary must be in the 9th grade or below at the time the contract is purchased. Contract benefits must be used within ten years after the projected date of high school graduation, unless an extension is granted.
Guaranteed Education Tuition (GET)
Washington
Tuition units purchased can be redeemed or refunded after two years from account opening, with exceptions for the beneficiary's death or disability, financial hardship, cancellation within six months, and accounts with total contributions under $500. Units must be used within 10 years after the beneficiary's projected college entrance year or the first use of units, whichever is later.
SMART529 Prepaid Tuition Plan
West Virginia
The beneficiary must be in the 9th grade or below at the time of enrollment. Contract benefits must be used within 10 years after the beneficiary's projected college entrance date.
SMART529 Select
West Virginia
None
SMART529 WV Direct College Savings Plan
West Virginia
None
The Hartford SMART529
West Virginia
None
Edvest
Wisconsin
None
Tomorrow's Scholar 529 Plan
Wisconsin
None