SHORTCUTS

529 Plan Details:

Enter your state:

World's Simplest College Calculator:

How old is your child?

Find a 529 Pro:

Enter your zip code:

Enroll In a 529 Plan:

View a list of participating plans

OPTIONS

529 PLANS

Compare by Features

Plan Enrollment or application fee: Account maintenance fee: Program management fees: Expenses of the underlying investments: Total asset-based expense ratio:
CollegeCounts 529 Fund
Alabama
None. $12 annually, waived if either the account owner or designated beneficiary is an Alabama resident. 0.25% Ranges from 0.07% to 0.09% (portfolio weighted average) in the age-based and static multi-fund portfolios, and 0.04% to 0.65% in the individual-fund portfolios. 0.29% - 0.90%
CollegeCounts 529 Fund Advisor Plan
Alabama
None, but contributions may be subject to a sales charge depending on share class. $12 annually, waived if either the account owner or designated beneficiary is an Alabama resident. 0.42% (includes 0.10% state administrative fee), plus distribution/servicing fee of 0.25% (Class A), 0.50% (Class C), or 0.00% (Class F). The BlackRock Cash option has no state administrative, distribuiton, or servicing fee. Ranges from 0.12% to 0.61% (portfolio weighted average) in the age-based and static multi-fund portfolios, and 0.11% to 1.25% in the individual-fund portfolios. Class A: 0.44% - 1.92%
Class C: 0.44% - 2.17%
Class F: 0.44% - 1.67%
Prepaid Affordable College Tuition (PACT) Program
Alabama
$100        
John Hancock Freedom 529
Alaska
None, but contributions may be subject to a sales charges depending on share class. $25 charged in November of each year. Waived for account balances of $25,000 or more, for account balances of $75,000 or more when combined with other beneficiary accounts, or for accounts in an automatic contribution plan, or for Account Holders who elect to receive electronic statements and confirmations, or for Account Holders who invest through a financial intermediary that maintains the plan assets in an omnibus account. All portfolios except Short-Term Bond Portfolio, Fixed Income Portfolio and JH Money Market Portfolio:
0.30% (includes state fee of 0.05%) plus distribution fees of 0.25% (Class A) or 1.00% (Class C2).

Short-Term Bond Portfolio, Fixed Income Portfolio:

0.30% (includes state fee of 0.05%) plus distribution fees of 0.15% (Class A) or 0.90% (Class C2) Money Market Portfolio:
0.30% (no state fee)
Ranges from 0.51% to 0.94% (portfolio weighted average) in the age-based and static multi-fund portfolios, 0.67% to 0.91% in the individual-fund portfolios, and 0.19% in the money market portfolio. Class A: 0.96% - 1.49%
Class C2: 1.71% - 2.24%
Money Market: 0.44%
T. Rowe Price College Savings Plan
Alaska
None. $10 annually for accounts with less than $25,000, fee is prorated across all accounts for the same account owner and beneficiary if the total balance of all accounts is less than $25,000. The fee is waived with automatic bank account investments or payroll deductions or if the total balance of all accounts owned by the same account owner, regardless of the beneficiary, is at least $75,000. 0.20% manager fee, including 0.04-0.06% fee to the state

0.01% for Money Market portfolio (all or a portion of the program management fee may be waived to maintain a net yield of at least 0.00%)
Ranges from 0.50% to 0.68% in the age-based portfolios; 0.39% to 0.68% in the static portfolios and 0.23% in the money market portfolio (portfolio weighted averages). 0.24% - 0.88%
University of Alaska College Savings Plan
Alaska
None. $10 annually for accounts with less than $25,000, fee is prorated across all accounts for the same account owner and beneficiary if the total balance of all accounts is less than $25,000. The fee is waived for investments in the ACT portfolio and with automatic bank account investments or payroll deductions or if the total balance of all accounts owned by the same account owner, regardless of the beneficiary, is at least $75,000. 0.20% manager fee, including 0.04-0.06% fee to the state. Fee waived for the ACT Portfolio.

0.01% for Money Market portfolio (all or a portion of the program management fee may be waived to maintain a net yield of at least 0.00%)
Ranges from 0.50% to 0.68% in the age-based portfolios and 0.39% to 0.68% in the static portfolios and 0.23% in the money market portfolio(portfolio weighted averages). 0.24% - 0.88%
Arizona Family College Savings Program
Arizona
None. None. None Not applicable, interest rate on CD is tied to a formula. No fees associated with the Honors Savings Account.  
Fidelity Arizona College Savings Plan
Arizona
None. None. 0.09% for the Fidelity index fund options (includes 0.02% state fee); 0.20% for the Fidelity fund options (includes 0.02% state fee); 0.35% for the multi-firm fund options (includes 0.05% state fee). For the Bank Deposit Portfolio, fees vary from 0.00% to 0.10% (including 0.05% state fee) based on the Federal Funds Target Rate. Ranges from 0.10% to 0.20% annualized in the Fidelity index fund portfolios, from 0.36% to 0.83% annualized in the Fidelity funds portfolios, and 0.70% to 1.09% in the multi-firm portfolios. For the Bank Deposit Portfolio, there is no underlying fund expense. There is, however, a Bank Administration Fee, which ranges from 0.00%-0.40% and is based on the Federal Funds Target Rate. 0.19% - 1.44%
Ivy Funds InvestEd Plan
Arizona
None, but contributions may be subject to a sales charge. $20 annually for accounts with less than $25,000, waived for Arizona residents. None Ranges from 0.70% to 0.92% in the InvestEd Portfolios; 0.75% to 1.42% in the Ivy Fund Portfolios; 0.75% in the Ivy Money Market portfolio (no distribution fee). 0.95% - 1.17% in the InvestEd Portfolios
1.00% - 1.67% in the Ivy Funds; reflects a waiver of management fees, 12b-1 fees and/or shareholder servicing fees through July 31, 2014
0.75% in the Ivy Money Market portfolio
GIFT College Investing Plan
Arkansas
None. $20 annually, waived for Arkansas residents. 0.75% manager fee; fee includes underlying fund expenses and a 0.125% fee to the state; 0.55% for the Savings Portfolio Not applicable, included in the program management fee. 0.75%; 0.55% for the Savings option
iShares 529 Plan
Arkansas
None. $10 annually, waived for accounts with $20,000 or more. Year-to-Enrollment and Asset Allocation Portfolios:
0.40% manager fee, including 0.05% state administration fee

Custom Portfolios:
0.35% manager fee, including 0.05% state administration fee
Ranges from 0.15% to 0.23% (portfolio weighted average) in the Year-to-Enrollment and Asset Allocation Portfolios, 0.08% to 0.67% in the Custom Portfolios, none for the Savings Portfolio. 0.35% - 1.02%
The ScholarShare College Savings Plan
California
None. None. 0.10% (includes 0.05% state fee); 0.05% for Passive and Single Fund Portfolios (no state fee); None for the Principal Plus Interest Portfolio. Ranges from 0.06% to 0.13% annualized in the index fund portfolios, from 0.22% to 0.50% annualized in the actively managed fund portfolios, 0.08% to 0.18% in the passive portfolios, 0.18 in the Social Choice Portfolio, and none for the Principal Plus Interest Portfolio. 0.11% - 0.60%. None for the Principal Plus Interest Portfolio.
Direct Portfolio College Savings Plan
Colorado
None. $20 for accounts with less than $10,000, waived for Colorado residents and for accounts opting to receive all documents electronically. 0.39% manager fee; fee includes underlying fund expenses and a 0.06% fee to the state.
CollegeInvest may charge an administrative fee of up to 0.10%. Effective September 1, 2011, 0.04% of the manager fee was waived for a net fee of 0.06%. CollegeInvest will periodically reevaluate the 0.06% administrative fee rate and raise or lower it not to exceed 0.10%.
Not applicable, included in the program management fee. 0.39%
Prepaid Tuition Fund
Colorado
None.        
Scholars Choice College Savings Program
Colorado
None, but contributions may be subject to a sales charge depending on share class. $20 annual fee, waived for account owners or beneficiaries who are Colorado or Wyoming residents (with account established prior to December 1, 2011 for Wyoming resident) and for accounts with at least $2,500. 0.10% administrative fee (0.04% waived commencing September 1, 2011) to the state plus distribution/servicing fees of 0.25% (Class A), 0.95% (Class B), 0.75% (Class C), 0.00% (Class O); 1.09% combined fee for the Cash Reserve option includes underlying fund expenses. Ranges from 0.29% to 0.86% (portfolio weighted average) in the age-based and static multi-fund portfolios; 0.58% to 1.25% in the individual portfolios. Class A: 0.64% - 1.60%
Class B: 1.09% - 2.30%
Class C: 1.09% - 2.10%
Class O: 1.09%
Cash Reserve Option: 1.09%
Note: Expenses are 0.04% less commencing September 1, 2011 due to temporary state fee waiver.
Smart Choice College Savings Plan
Colorado
None. None. None. (FirstBank pays Colorado CollegeInvest an administrative fee of 0.10% of assets.) Not applicable. None.
Stable Value Plus College Savings Program
Colorado
None. None. 0.99% administrative fee to the state (0.28% of this fee waived as of September 1, 2011). Not applicable, included in the program management fee. 0.99% (0.71% as of September 1, 2011)
Connecticut Higher Education Trust (CHET)
Connecticut
None. None. 0.18% manager fee and a 0.01% fee to the state. None for the Principal Plus Interest option; curretnly waived for the Money Market Option. Ranges from 0.18% to 0.24% for the age-based options, and from 0.10% to 0.68% for static options. None for the Principal Plus Interest option. 0.29% - 0.87%; 0.13% for the Money Market option with waiver. None for Principal Plus Interest Option.
Connecticut Higher Education Trust (CHET) -- Advisor Plan
Connecticut
None. None. 0.24% manager fee and a 0.02% fee to the state, plus distribution/servicing fees of 0.25% (Class A); 1.00% (Class C); None (Class E) Ranges from 0.51% to 0.83% (portfolio weighted average) in aged based and static multi-funds portfolios, and from 0.20% to 1.02% in the individual fund portfolios. Class A: 0.71%-1.53%
Class C: 1.46%-2.28%
Class E: 0.46%-1.28%
Delaware College Investment Plan
Delaware
None. None. 0.09% for the Fidelity index fund options (includes 0.01% state fee); 0.20% for the Fidelity fund options (includes 0.05% state fee); 0.35% for the multi-firm fund options (includes 0.05% state fee). For the Bank Deposit Portfolio, there is a 0.10% Program Management Fee (includes 0.05% state fee) and is based on the Federal Funds Target Rate. Ranges from 0.10% to 0.20% annualized in the Fidelity index fund portfolios, from 0.36% to 0.83% annualized in the Fidelity funds portfolios, and 0.70% to 1.09% in the multi-firm portfolios. For the Bank Deposit Portfolio, there is no underlying fund expense. There is, however, a Bank Administration Fee, which ranges from 0.00%-0.40% and is based on the Federal Funds Target Rate. 0.19% - 1.44%
DC 529 College Savings Program (Advisor-sold)
District of Columbia
None for D.C. residents, $25 for non-D.C. residents. Contributions are also subject to a sales charge that varies based on the particular portfolio and the amount invested. $30, reduced to $15 for DC residents. 0.15% management fee, including 0.05% administrative fee to D.C. Ranges from 0.52% to 1.20% (portfolio weighted average) in the age-based portfolios, 1.22% to 1.86% in the individual-fund portfolios, and 0.35% in the State Street Equity Index portfolio. None for the Acacia Principal Plus portfolio. 0.50% - 2.01%
Principal Plus option: 0.15%
DC 529 College Savings Program (Direct-sold)
District of Columbia
None for D.C. residents, $25 for non-D.C. residents. $30, reduced to $15 for DC residents. 0.15% management fee, including 0.05% administrative fee to D.C. Ranges from 0.52% to 1.20% (portfolio weighted average) in the age-based portfolios, 1.22% to 1.86% in the individual-fund portfolios, and 0.35% in the State Street Equity Index portfolio. None for the Acacia Principal Plus portfolio. 0.50% - 2.01%
Principal Plus option: 0.15%
Florida 529 Savings Plan
Florida
None. None. 0.39% - 0.75% management fee (None for Money Market option); fee includes underlying investment manager fees. Not applicable, included in the program management fee. 0.39% - 0.75% management fee (None for Money Market option)
Florida Prepaid College Plan
Florida
$50,        
Path2College 529 Plan
Georgia
None. None. 0.18% manager fee, including 0.06% administration fee; none for the Guaranteed Option. Ranges from 0.07% to 0.20%; none for the Guaranteed Option. 0.25% - 0.38%. None for the Guaranteed Option.
Hawaii's College Savings Program
Hawaii
None. $20 annually. 0.75% manager fee; fee includes underlying fund expenses. Not applicable, included in the program manager fee. 0.75%
Idaho College Savings Program (IDeal)
Idaho
None. $20 annually unless either the account owner or beneficiary is a resident of Idaho. 0.69% program manager fee; 0.34% for Savings Portfolio; fee includes underlying fund expenses and the 0.05% administrative fee to the state Not applicable, included in the program manager fee. 0.69%; 0.34% for the Savings Portfolio
Bright Directions College Savings Program
Illinois
$10, contributions may also be subject to a sales charge depending on share class. $3 per quarter 0.40% manager fee (including 0.05% state fee), plus distribution/servicing fees of 0.25% (Classes A and E, except 0% for Money Market), 0.50% (Class C, except 0% for Money Market), or 0% (Class F). 0.35% manager fee (including 0.03% state fee) for Class F Vanguard ETF portfolios. Ranges from 0.28% to 0.50% (portfolio weighted average) in the age-based and static multi-fund portfolios, 0.10% to 1.48% in the individual-fund portfolios, and 0.68% to 1.48% in the female- and minority-owned portfolios. Class A: 0.47% - 2.13%
Class C: 0.47% - 2.38%
Class E: 0.47% - 2.13%
Class F: 0.45% - 1.88%
Bright Start College Savings Program -- Advisor-sold Plan
Illinois
None, but contributions may be subject to a sales charge depending on share class. None. 0.18% (includes 0.03% state administrative fee), plus distribution/servicing fees of 0.25% (Classes A and G), 0.50% (Class C), or 0.00% (Class H). No state administrative, distribution/servicing fee for the Money Market portfolio. Ranges from 0.23% to 0.54% (portfolio weighted average); 0.16% for Money Market Portfolio. Class A: 0.31% - 0.97%
Class C: 0.31% - 1.22%
Class G: 0.31% - 0.97%
Class H: 0.31% - 0.72%
Bright Start College Savings Program -- Direct-sold Plan
Illinois
None. None for Oppenheimer actively managed portfolios, $10 annually per portfolio for the Vanguard portfolio options. Blended Portfolios: 0.18% (includes 0.03% state administrative fee).
Index Portfolios: 0.14% (no state administrative fee).
No state administrative fee for the Money Market portfolio.
Blended Portfolios: Ranges from 0.23% to 0.48%; 0.16% for the Money Market Portfolio
Index Portfolios: Ranges from 0.04% to 0.08%.
0.18% - 0.66%
College Illinois! Prepaid Tuition Program
Illinois
None.        
CollegeChoice 529 Direct Savings Plan
Indiana
None. $20 annually, waived for Indiana residents or beneficiaries and for accounts with $25,000. 0.42% in the Age-based option; 0.27% in the Individual Portfolios and Savings Portfolio Ranges from 0.08% to 0.16% in the Age-based option and from 0.02% to 0.65% in the Individual portfolios (portfolio weighted average). None in the Savings Portfolio. 0.27% - 0.92%
CollegeChoice Advisor 529 Savings Plan
Indiana
None, but contributions may be subject to a sales charge depending on share class. $20 annually, waived for accounts with an Indiana resident as beneficiary and for accounts with balances of $25,000 or more. 0.44% manager fee (includes 0.10% state administrative fee) plus distribution expenses of 0.25% (Class A) or 1.00% (Class C). The Savings Portfolio is subject to a 0.34% manager fee. Ranges from 0.13% to 0.16% in the Year of Enrollment portfolio option and from 0.08% to 0.82% in the Individual portfolio options (portfolio weighted average). None for the Savings Portfolio. Class A: 0.34% - 1.51%
Class C: 0.34% - 2.26%
CollegeChoice CD 529 Savings Plan
Indiana
None. None. None. Not applicable, interest rate on CD is tied to a formula. No fees associated with the Honors Savings Account.  
College Savings Iowa
Iowa
None. None. 0.26% manager fee; fee includes underlying fund expenses. Not applicable, included in the program management fee. 0.28%
IAdvisor 529 Plan
Iowa
None. $25 annually, waived if the account balance in each investment option is greater than $25,000; waived for accounts with an automatic investment plan or payroll direct deposit of $100 per month in each investment option running on a monthly basis for 12 consecutive months. 0.50% (0.40% for Money Market) management fee includes 0.075% fee to the state, plus distribution/marketing fee of 0.25% (Class A) or 1.00% (Class C, except Money Market is 0.25%). Ranges from 0.27% to 1.05%. Class A: 0.99% - 1.80%
Class C: 0.99% - 2.55%
Learning Quest 529 Education Savings Program (Direct-sold)
Kansas
None. None. 0.20% manager fee (waived for the Money Market portfolio) Ranges from 0.18% to 0.67% in the age-based portfolios and 0.04% to 0.85% in the static portfolios (portfolio weighted averages). For the three portfolios used in the index age-based track, an all-in fee of 0.45% includes the 0.20% program manager fee. 0.17% - 1.05%
Learning Quest Advisor
Kansas
None, but contributions may be subject to a sales charge depending on share class. None. 0.20% manager fee (waived for the Money Market portfolio) plus distribution/servicing fees of 0.25% (Class A); 1% (0.75% for the Money Market portfolio)(Class C). Ranges from 0.35% to 0.97% in the age-based and static portfolios and 0.17% to 1.42% in the individual fund portfolios (portfolio weighted averages). Class A: 0.42% - 1.87%
Class C: 0.92% - 2.62%
Schwab 529 College Savings Plan
Kansas
None. None. 0.20% manager fee Ranges from 0.21% - 1.14% (portfolio weighted average). 0.41% - 1.34%; Index portfolios have all-inclusive fee of 0.55%.
Kentucky Education Savings Plan Trust
Kentucky
None. None. 0.60% manager fee for the Managed Allocation option includes underlying fund expenses; 0.47% manager fee for the Equity Index, Balanced, and Fixed Income options, and 0.38% fee for the Active Equity Option, do not include underlying fund expenses. No fee for the Guaranteed Option. Managed Allocation Option: included in the program management fee.
100% equity options: Ranges from 0.09% to 0.53%
Balanced Option: 0.28%
Fixed Income Option: 0.17%
0.56% - 0.91%. None for the Guaranteed Option.
Kentucky's Affordable Prepaid Tuition (KAPT)
Kentucky
$50 for the first contract and $25 for subsequent contracts.        
START Saving Program
Louisiana
None. None. None None for the Principal Protection fund. Ranges from 0.14% - 0.17% for the Vanguard LifeStrategy funds (Age-Based options; none for Ages 16+), and from 0.04% to 0.35% for the Vanguard individual fund options.
0.04% - 0.35%. None for the Principal Protection option.
NextGen College Investing Plan -- Client Direct Series
Maine
None. None None for the BlackRock Age-Based and NextGen Savings Portfolio; 0.07% for the BlackRock Equity Index Portfolio (no state fee), 0.20% for the iShares portfolios (no state administrative fee). Ranges from 0.10% to 0.69% (portfolio weighted average) in the age-based and static multi-fund portfolios, 0.12% in the BlackRock Equity Index Portfolio, 0.31% in the iShares Balanced Portfolio. None for the Principal Plus Portfolio and NextGen Savings Portfolio. 0.00% - 0.69%
NextGen College Investing Plan -- Client Select Series
Maine
None, but contributions may be subject to a sales charge depending on share class. $50 annually on accounts less than $20,000, waived when the account owner or beneficiary is a Maine resident, for employees of the program manager, for anyone making at least $2,500 in contributions during the year, and for Merrill Lynch employees. The annual account maintenance fee is reduced to $25 if an employer has arranged for an employee payroll direct deposit relationship with the program manager. For the Principal Plus Portfolio:
0.46%, includes 0.11% fee to the state

None for the NextGen Savings Portfolio.

For iShares Portfolios:
0.50% distribution/servicing fee (Class A), or 1.25% distribution/servicing fee (Class C) with additional 0.09% fee to the state.

For all other portfolios:
None (Class A), or 0.75% distribution/servicing fee (Class C) with additional 0.11% fee to the state

Ranges from 0.10% to 1.25% (portfolio weighted average) in the age-based and static multi-fund portfolios and from 0.29% to 1.26% in the individual-fund portfolios. None for the Principal Plus Portfolio and NextGen Savings Portfolio. Class A: 0.00% - 1.37%
Class C: 0.00% - 2.12%
College Savings Plans of Maryland -- College Investment Plan
Maryland
None. $10 annually for accounts with less than $25,000, waived with automatic investments. 0.20% manager fee; 0.01% for the U.S. Treasury Money Market Portfolio Ranges from 0.06% to 0.68% (portfolio weighted average). 0.07% - 0.88%
College Savings Plans of Maryland -- Prepaid College Trust
Maryland
$75 paper application or $50 with online application, reduced to $20 when purchasing additional years of tuition for the same beneficiary or enrolling a beneficiary with an account in the Maryland College Investment Plan.        
U.Fund College Investing Plan
Massachusetts
None. None. 0.09% for the index fund options (includes 0.045% state fee); 0.20% for the Fidelity fund options (includes 0.10% state fee); 0.35% for the multi-firm fund options (includes 0.10% state fee). For the Bank Deposit Portfolio, there is a 0.10% Program Management Fee (includes 0.05% state fee) and is based on the Federal Funds Target Rate. Ranges from 0.10% to 0.20% annualized in the Fidelity index fund portfolios, from 0.36% to 0.83% annualized in the Fidelity funds portfolios, and 0.70% to 1.09% in the multi-firm portfolios. For the Bank Deposit Portfolio, there is no underlying fund expense. There is, however, a Bank Administration Fee, which ranges from 0.00%-0.40% and is based on the Federal Funds Target Rate. 0.19% - 1.44%
U.Plan
Massachusetts
None.        
MI 529 Advisor Plan
Michigan
None. None. All except TIAA-CREF Money Market Portfolio:
0.60% (includes state fee of 0.10%) plus distribution fees of 0.25% (Class A) or 0.33% - 0.65% (Class C)

TIAA-CREF Money Market Portfolio:
0.60% (includes state fee of 0.10%) plus distribution fees of 0.10%
Ranges from 0.45% to 0.60% (portfolio weighted average) in the age-based, 0.47% to 0.61% in the static multi-fund portfolios, and from 0.07% to 1.01% in the individual-fund portfolios. Class A: 0.84% - 1.86%
Class C: 0.84% - 1.94%
Michigan Education Savings Program
Michigan
None. None. 0.06% manager fee plus 0.05% state fee. No fee for the Principal Plus Interest Option. 0.07% - 0.17%. None for the Principal Plus Interest Option. 0.20% - 0.30%. None for the Principal Plus Interest Option.
Michigan Education Trust
Michigan
On-line enrollment: $25
Enrollment by mail: $60
       
Minnesota College Savings Plan
Minnesota
None. None. 0.15% manager fee. The manager fee includes underlying fund expenses and a 0.00754% state fee. No fee for the Principal Plus Interest Option. Manager and state fee are currently waived for the Money Market option. Not applicable, included in the program management fee. 0.20% to 0.34%. None for the Principal Plus Interest Option. 0.13% for the Money Market Option after fee waiver.
Mississippi Affordable College Savings (MACS) Program
Mississippi
None. None. 0.50% manager fee. No fee for the Guaranteed Option. Ranges from 0.14% to 0.23% (portfolio weighted average). None for the Guaranteed Option. 0.64% - 0.73%. None for the Guaranteed Option.
Mississippi Prepaid Affordable College Tuition (MPACT) Program
Mississippi
$60        
MOST - Missouri's 529 Advisor Plan
Missouri
None, but contributions may be subject to a sales charge. $25 annually for accounts with less than $25,000. 0.30% manager fee plus distribution/marketing fee of 0.25% (Class A) or 1.00% (Class C), except the distribution/marketing fee for the Templeton Growth Portfolio is 0.00% (Class A) or 0.75% (Class C). Ranges from 0.17% to 1.11%. Class A: 0.72% - 1.45%
Class C: 1.47% - 2.20%
MOST - Missouri's 529 College Savings Plan (Direct-sold)
Missouri
None $10 annually, waived for account owners or beneficiaries who are Missouri residents, by choosing electronic delivery for all plan documents, or for accounts with greater than $10,000. 0.20% - 0.30% 0.02% - 0.36% 0.29% - 0.62%
Montana Family Education Savings Program -- Bank Plan
Montana
None. None. None Not applicable, interest rate on CD is tied to a formula. None
Montana Family Education Savings Program -- Investment Plan
Montana
None. $25 annually, waived for accounts with a Montana resident as beneficiary and for accounts with balances of $25,000 or more and for account with automatic bank deposits or by payroll deduction. 0.67% - 0.77% Ranges from 0.05% to 0.21% 0.82% - 0.89%
Nebraska Education Savings Trust -- Advisor College Savings Plan
Nebraska
None. None. All portfolios except Age-Based Conservative 19+, Goldman Sachs Prime Money Market, and Bank Savings option:
0.27% and a state fee of 0.03%, plus distribution fees of 0.25% (Class A) or 1.00% (Class C).

Age-Based Conservative 19+ and Goldman Sachs Prime Money Market Portfolio:
0.27% and a state fee of 0.03%.

Bank Savings Option:
0.18% and a state fee of 0.02%
Ranges from 0.09% to 0.27% (portfolio weighted average) in the age-based and static multi-fund portfolios, from 0.0175% to 0.99% in the individual-fund portfolios, none for the Bank Savings option. Class A: 0.20% - 1.54%
Class C: 0.20% - 2.29%
Nebraska Education Savings Trust -- Direct College Savings Plan
Nebraska
None. None 0.27% manager fee and a 0.03% fee to the state; 0.18% manager fee and 0.02% state fee for the Bank Savings option. Ranges from 0.06% to 0.18% (portfolio weighted average) in the age-based and static multi-fund portfolios, and from 0.0175% to 0.99% in the individual-fund portfolios. None for the Bank Savings option. 0.20% - 1.29%
State Farm College Savings Plan
Nebraska
None, but contributions may be subject to a sales charge depending on share class. None. 0.22% (including 0.05% state fee), plus distribution/servicing fee of 0.25% (Class A) or 1.00% (Class B), except the Money Market Portfolio has no distribution/servicing fee. Ranges from 0.16% to 0.82%. Class A: 0.38% - 1.29%
Class B: 0.38% - 2.04%
TD Ameritrade 529 College Savings Plan
Nebraska
None. None. 0.27% manager fee, plus a distribution fee of 0.19% and a 0.03% fee to the state. Ranges from 0.06% to 0.19% (portfolio weighted average) in the age-based and static multi-fund portfolios, and from 0.0175% to 0.99% in the individual-fund portfolios. 0.51% - 1.48%
Nevada Prepaid Tuition Program
Nevada
$100        
Putnam 529 for America
Nevada
None, but contributions may be subject to a sales charge depending on share class. $15 annual account maintenance fee for accounts with less than $25,000, waived for residents of Nevada, accounts in an automatic investment plan, or participants in particular corporate payroll deduction plans and affinity programs. 0.10% administrative fee to the state, plus reimbursed expenses of up to 0.04%, plus distribution/servicing fees as follows:

Money Market option: 0.25% (Class A), 0.25% (Class B), 0.50% (Class C)

Absolute Return Funds 100 and 300: 0.25% (Class A), 0.45% (Class B), 1.00% (Class C)

All other options: 0.25% (Classes A and D), 1.00% (Class B); 1.00% (Class C)

Ranges from 0.57% to 0.79% (portfolio weighted average) in the age-based and static multi-fund portfolios, and from 0.17% to 1.19% in the individual fund portfolios. Class A: 0.56% - 1.58%
Class B: 0.89% - 2.33%
Class C: 1.14% - 2.33%
Class D: 0.96% - 1.18%
SSgA Upromise 529 Plan
Nevada
None. $20 annually, waived if either the account owner or beneficiary is a resident of Nevada or if the account owner is invested in the Savings Portfolio at the time the annual fee is assessed. 0.22% manager fee (0.27% for Savings Portfolio) plus state fee of 0.02% and tactical asset allocation fee of 0.09% for risk-based and age-based portfolios. 0.12% - 0.24% in the age based and static portfolios; 0.09% - 0.65% in the individual fund portfolios; none for the Savings Portfolio. 0.33% - 0.89%; 0.29% for the Savings Portfolio.
The Vanguard 529 Savings Plan
Nevada
None. $20 annually on accounts below $3,000. 0.19% manager fee for the age-based options and a range of 0.19% to 0.49% for all other options. Fees include underlying fund expenses. Not applicable, included in the program management fee. 0.19% - 0.49%
USAA 529 College Savings Plan
Nevada
None. $15 annual account maintenance fee, waived if either the account owner or beneficiary is a resident of Nevada. There is also a $15 annual minimum balance fee for accounts with a balance of less than $5,000 that are not in an automatic investment plan. 0.65% to 1.06%; fee includes underlying fund expenses. Not applicable., included in the program management fee. 0.65% - 1.06%
Fidelity Advisor 529 Plan
New Hampshire
None, but contributions may be subject to a sales charge depending on unit class. $20 annually for accounts with less than $25,000, waived with automatic contributions. 0.20% management fee (includes 0.10% fee to the state), plus distribution/servicing fees as follows:

Fixed income, individual-fund portfolios: 0.15% (Class A), 1.00% (Class C), or 0.75% (Class P)

All other portfolios: 0.25% (Class A), 1.00% (Class C), or 0.75% (Class P)
Ranges from 0.55% to 0.88% (portfolio weighted average) in the age-based and static multi-fund portfolios, and from 0.37% to 0.99% in the individual-fund portfolios. Class A: 0.82% - 1.44%
Class C: 1.57% - 2.19%
Class P: 1.32% - 1.94%
UNIQUE College Investing Plan
New Hampshire
None. None. 0.09% for the index fund options (includes 0.05% state fee); 0.20% for the Fidelity fund options (includes 0.10% state fee); 0.35% for the multi-firm fund options (includes 0.10% state fee). For the Bank Deposit Portfolio, there is a 0.10% Program Management Fee (includes 0.05% state fee) and is based on the Federal Funds Target Rate. Ranges from 0.10% to 0.20% annualized in the Fidelity index fund portfolios, from 0.36% to 0.83% annualized in the Fidelity funds portfolios, and 0.70% to 1.09% in the multi-firm portfolios. For the Bank Deposit Portfolio, there is no underlying fund expense. There is, however, a Bank Administration Fee, which ranges from 0.00%-0.40% and is based on the Federal Funds Target Rate. 0.19% - 1.44%
Franklin Templeton 529 College Savings Plan
New Jersey
None, but contributions may be subject to a sales charge depending on share class. None 0.25% manager fee, plus distribution/servicing fees of 0.25% (Class A), or 1.00% (Classes B and C); none for Franklin Money Portfolio. Ranges from 0.14% to 0.84% (portfolio weighted average) in the age-based and objective-based portfolios, and from 0.07% to 0.98% in the individual-fund portfolios. Class A: 0.09% - 1.48%
Class B (Franklin Money Portfolio):0.09% Class C: 0.09% - 2.23%
NJBEST 529 College Savings Plan
New Jersey
None. None. 0.10% manager fee Ranges from 0.14% to 0.84% (portfolio weighted average) in the age-based and objective-based portfolios, and from 0.07% to 0.36% in the individual-fund portfolios. 0.17% - 0.94%
Scholar'sEdge
New Mexico
None, but contributions may be subject to a sales charge depending on share class. $25 annually for accounts with less than $25,000, waived if either the designated beneficiary or account owner is a New Mexico resident and for accounts in an automatic contribution plan. 0.20% management fee (includes 0.10% fee to the state), plus distribution/servicing fees of 0.25% for Class A and 1.00% for Class C, except that the Short Term Yield Portfolio has no distribution/servicing fees. Ranges from 0.52% to 0.67% (portfolio weighted average) in the age-based and static multi-fund portfolios, from 0.16% to 1.18% in the individual-fund portfolios, and 0.01% in the Capital Preservation Portfolio. Class A: 0.36% - 1.63%
Class C: 0.36% - 2.38%
The Education Plan's College Savings Program
New Mexico
None. $25 annually for accounts with less than $10,000, waived if either the designated beneficiary or account owner is a New Mexico resident, for accounts in an automatic contribution plan, and for accounts with all assets invested in index options. 0.15% management fee (includes 0.05% fee to the state) for index-only options; 0.20% management fee (includes 0.10% fee to the state) for all other options. Ranges from 0.14% to 0.22% (portfolio weighted average) for index-only options, and from 0.16% to 0.51% (portfolio weighted average) for all other options. 0.29% - 0.71%
New York's 529 Advisor-Guided College Savings Plan
New York
None, but contributions may be subject to a sales charge depending on share class. $25 annually for accounts with $25,000 or less. 0.30% manager fee, plus distribution/servicing fees of 0.25% (Class A), .90% - 1.00% (Class C), and None (Advisor Class) Ranges from 0.33% to 0.61% (portfolio weighted average) in the age-based and static multi-fund portfolios, from 0.10% to 0.85% in the individual-fund portfolios. Class A: 0.65% - 1.40%
Class C: 1.40% - 2.15%
Advisor Class: 0.40% - 1.15%
New York's 529 College Savings Program -- Direct Plan
New York
None. None. 0.16% manager fee; fee includes underlying fund expenses. Not applicable, included in the program management fee. 0.16%
National College Savings Program
North Carolina
None. A $1.50/month ($18.00/year) fee is assessed per Account for paper delivery of statements and confirmations. This fee is waived if the Participant elects to receive electronic delivery. 0.25% NC Treasurer Dependable Income Fund: Less than 0.05%

Vanguard Age-Based Options: Ranges from 0.11% to 0.16%

Vanguard Individual and Multi-fund Options: 0.09% to 0.17%

Federally-Insured Deposit Account: None

0.25% - 0.42%
College SAVE
North Dakota
None. $20 annually, waived for North Dakota residents. 0.85% manager fee; fee includes underlying fund expenses and the 0.10% fee to the state. N/A, included in the program management fee. 0.85%
BlackRock CollegeAdvantage 529 Plan
Ohio
None, but contributions may be subject to a sales charge depending on share class. $25 annually; waived if account owner is a resident of Ohio, the balance of all accounts with the same account owner and beneficiary is $25,000 or more, or the account owner makes periodic contributions via Automatic Investment Plan or payroll deduction. 0.23% (includes 0.04% fee to the state), plus distribution/servicing fees of 0.25% (Class A) or 1.00% (Class C). Ranges from 0.07% to 1.21%. Class A: 0.55% - 1.69%
Class C: 1.30% - 2.44%
Ohio CollegeAdvantage -- Guaranteed Savings Fund
Ohio
None.        
Ohio CollegeAdvantage 529 Savings Plan
Ohio
None. None. 0.155% manager fee plus 0.04% fee to the state.

Fifth Third options: No fees.

Advantage multi-manager portfolios: Ranges from 0.19% to 0.31%
Vanguard portfolios: Ranges from 0.02% to 0.27%
PIMCO: Ranges from 0.46% to 0.55%
GE Asset Management: 0.55%
Fifth Third options: None
0.22% - 0.75%. None for Fifth Third options.
Oklahoma College Savings Plan
Oklahoma
None. None. 0.35% manager fee. No fee for the Guaranteed Option. Ranges from 0.12% to 0.23% (portfolio weighted average) in the age-based portfolios, and from 0.07% to 0.51% in the static multi-fund portfolios. None in the Guaranteed Option. 0.42% - 0.86%. None for the Guaranteed Option.
Oklahoma Dream 529 Plan
Oklahoma
None, but contributions may be subject to a sales charge depending on share class. $5 quarterly for accounts with less than $20,000, waived with automatic contributions, or if total of all accounts with the same account owner equals or exceeds $50,000. Program manager fee: 0.50%
Servicing and administrative fee: 0.25% (0.10% for Money Market option)
Class A distribution fee: None
Class C distribution fee: 0.75% (none for Money Market option)
Ranges from 0.45% to 0.60% (portfolio weighted average) in the age-based, 0.47% to 0.61% in the static multi-fund portfolios, and from 0.07% to 1.01% in the individual-fund portfolios. Class A: 0.74% - 1.76%
Class C: 0.74% - 2.51%
MFS 529 Savings Plan
Oregon
None, but contributions may be subject to a sales charge depending on share class. $25 annually for accounts with less than $25,000, waived for Oregon residents. 0.10% management fee (includes state portion with 0.05% waiver in effect), plus distribution/servicing fees of 0.25% (Class 529A) or 1.00% (Classes 529B and 529C). The management fee has been waived from 0.10% to 0.05% with waiver end dates ranging from December 2013 to August 2014, depending upon the portfolio. Ranges from 0.40% to 0.93% in the age-based and static multi-fund portfolios (portfolio weighted averages), and from 0.33% to 0.93% in the individual-fund portfolios. Additonal waivers are in effect with end dates ranging from December 2013 to August 2014 for the Mid Cap Growth Fund, Mid Cap Value Fund, New Discovery Fund, Limited Maturity Fund, Research Bond Fund, and Cash Reserve Fund. Class A: 0.73% - 1.44%
Class B: 1.56% - 2.19%
Class C: 1.57% - 2.19%
Oregon College Savings Plan
Oregon
None. None. 0.25% management fee (includes 0.05% fee to the state); none for the Principal Plus Interest Portfolio. Ranges from 0.07% to 0.50% (portfolio weighted average). None for Principal Plus Interest Portfolio. 0.32% - 0.75%. None for Principal Plus Interest Portfolio.
Private College 529 Plan
Other
None.        
Pennsylvania 529 Guaranteed Savings Plan
Pennsylvania
$50 for accounts opened by mail; $25 for accounts opened online with an electronic bank transfer. Waived for newborns and newly adopted children if the account is opened within six months of the child's birth or finalization of adoption. The plan imposes a 0.44% asset-based fee ($4.40 per $1,000 of account value per year) paid via reduction in plan credits. Account owners who receive statements and notices via email pay a 0.35% asset-based fee not to exceed $250 per year.      
Pennsylvania 529 Investment Plan
Pennsylvania
None. $18 annually, waived for accounts that have elected electronic delivery of all documents. 0.34%, consisting of 0.07% fee to the Commonwealth and 0.27% combined fee to Upromise and Vanguard Ranges from 0.02% - 0.16% 0.36% - 0.50%
CollegeBoundfund (Advisor-sold)
Rhode Island
None, but contributions may be subject to a sales charge depending on share class. $25 annually for accounts with less than $25,000, waived for Rhode Island residents, for accounts in the automatic contribution plan, and for unit class R. Management and administrative fees are included with the expenses of underlying investments (not disclosed separately by program manager). Distribution/servicing fees are 0.25% (Classes A, RA), 1.00% (Classes B and C), or 0% (Classes RZ and R). Ranges from 0.20% to 0.94% in the age-based and static multi-fund portfolios (portfolio weighted average), and from 0.50% to 1.03% in the individual-fund portfolios, inclusive of program manager fees. Class A: 0.70% - 1.28%
Class B: 1.55% - 2.03%
Class C: 1.45% - 2.03%
Class R (Fee-based): 0.45% - 1.03%
Class RA (RI-resident): 0.45% - 1.46%
Class RZ (RI-resident): 0.20% - 1.21%
CollegeBoundfund (Direct-sold, Alternative RI)
Rhode Island
None. None. Included with the expenses of the underlying investments (not disclosed separately by program manager). 0.16% - 0.20% in the age-based options, ranges from 0.72% to 0.94% in the static multi-fund portfolios (portfolio weighted average), and from 0.04% to 1.03% in the individual-fund portfolios. 0.04% - 1.03%
Future Scholar 529 College Savings Plan (Advisor-sold)
South Carolina
None, but contributions may be subject to a sales charge depending on share class. $25 annually for accounts with less than $10,000, waived for South Carolina residents and state employees, and for accounts in the automatic contribution plan. Management fee:
0.06% on average daily net assets of each portfolio up to $1,499,999,000
0.05% on average daily net assets of each portfolio from $1,500,000,000 - $1,999,999,000
0.04% on average daily net assets of each portfolio from $2,000,000,000 - $2,499,999,000
0.04% on average daily net assets of each portfolio over $2,500,000,000
(None for Columbia Bank Deposit 529 Porfolio)

0.10% fee to the state, plus distribution/servicing fees of 0.15% - 0.25% (Class A), 0.75% - 1.00% (Class C), 0.50% (Class E), or none (Class Z)
Ranges from 0.36% to 0.67% (portfolio weighted average) in the age-based and static portfolios, from 0.13% to 0.93% in the individual-fund portfolios. None for the Bank Deposit portfolio. Class A: 0.00% - 1.34%
Class C: 0.00% - 2.09%
Class E: 0.00% - 1.59%
Class Z: 0.00% - 1.09%
Future Scholar 529 College Savings Plan (Direct-sold)
South Carolina
None. None. None Ranges from 0.08% to 0.16% (portfolio weighted average) in the aged-based and target allocation portfolios, and from 0.05% to 0.25% in the individual-fund portfolios. None for the Bank Deposit Portfolio. 0.00% - 0.25%
South Carolina Tuition Prepayment Program
South Carolina
$85        
CollegeAccess 529 (Advisor-sold)
South Dakota
None, but contributions may be subject to a sales charge depending on share class. $5 per quarter for accounts with less than $20,000. The fee is waived for participants with an automatic investment plan, accounts where a common owner has accounts aggregating over $50,000 of value, and for South Dakota residents. 0.35% manager fee (waived for SD residents), plus distribution/servicing fees of 0.35% (Classes A and SD-A), 1.10% (Classes B and C), or 1.00% (Class SD-C) Ranges from 0.46% to 0.63% (portfolio weighted average) in the age-based, 0.32% to 0.66% in the static multi-fund portfolios, and 0.18% to 1.07% in the individual-fund portfolios. Class A: 0.63% - 1.77%
Class B: 0.63% - 2.52%
Class C: 0.63% - 2.52%
Class SD-A: 0.28% - 1.42%
Class SD-C: 0.28% - 2.07%
CollegeAccess 529 (Direct-sold)
South Dakota
None. None. None Ranges from 0.46% to 0.63% (portfolio weighed average) in the age-based and static portfolios, and 0.45% to 0.88% in the individual-fund portfolios. The program manager reimburses the investment portfolio to the extent the weighted average expense of the portfolio exceeds 0.65%. 0.45% - 0.88%
Tennessee's BEST Prepaid College Tuition Plan
Tennessee
None.        
TNStars College Savings 529 Program
Tennessee
None None 0.00% - 0.30% Ranges from 0.10% to 0.26% in the age-based option; 0.05% to 1.00% in the individual options. 0.35% to 1.00%, none for the interest bearing account.
Lonestar 529 Plan
Texas
None, but contributions may be subject to a sales charge depending on share class. None. 0.6193% management fee (including 0.0843% state fee) for all portfolios. Additional distribution/servicing fees of 0.25% (Class A) or 1.00% (Classes B and Advisor class). The Money Market and U.S. Government Money Market Portfolios have no distribution/servicing fees. Ranges from 0.1903% to 0.5948% in the age-based and static multi-fund portfolios, and 0.06% to 0.85% in the individual-fund portfolios. Class A: 0.6793% - 1.7193%
Class B: 0.6793% - 2.4693%
Advisor Class: 0.6793% - 2.4693%
Texas College Savings Plan
Texas
None. None. 0.535% manager fee for the Index Portfolios and 0.6193% manager fee (including 0.0843% state administrative fee) for the Blended Portfolios and Individual Fund Portfolios. 0.0642% to 0.0857% in the Index portfolios; 0.1097% to 0.3773% in the Blended Portfolios; and 0.05% to 0.14% in the Individual Fund Portfolios. 0.5992% - 0.9966%
Texas Guaranteed Tuition Plan
Texas
$50        
Texas Tuition Promise Fund
Texas
$25        
Utah Educational Savings Plan (UESP)
Utah
None. Administrative Mail Delivery Fee: $2 per $1,000 of account balance up to a maximum of $12 annually. Fee is waived for Utah residents and for non-Utah residents who agree to electronic delivery of quarterly account statements. Ranges from 0.14% to 0.20%, except the State Public Treasurers' Investment Fund and the FDIC-Insured option incur no additional expenses. Ranges from 0.012% to 0.054%, except the State Public Treasurers' Investment Fund and the FDIC-Insured option incur no additional expenses. 0.160% - 0.224% (Utah residents 0.000% - 0.224%) for UESP investment options excluding the Customized Age-Based and the Customized Static options. The Customized Static and Age-Based options range is 0.200% - 0.615%, depending on the investment mix selected by the account owner.
Vermont Higher Education Investment Plan
Vermont
None. None. 0.45% management fee includes underlying mutual fund expenses; 0.40% manager fee for static fund options does not include underlying fund expenses; no fee for the Principal Plus Interest Option. Included in the program manager fee for the age-based option. For the static fund options, underlying expenses range from 0.08% to 0.36%. 0.45% - 0.76%. None for the Principal Plus Interest Option.
CollegeAmerica
Virginia
None, but contributions may be subject to a sales charge depending on share class. None. None (0.10% state administrative fee is included in the underlying fund expenses). Ranges from 0.51% to 1.53% for Class 529-A, 0.51% to 2.29% for Class 529-C, 0.50% to 1.74% for Class 529-E, and 0.45% to 1.26% for Class 529-F-1. Class 529-A: 0.51% - 1.53%
Class 529-C: 0.51% - 2.29%
Class 529-E: 0.50% - 1.74%
Class 529-F-1: 0.45% - 1.26%
CollegeWealth
Virginia
Fees set by participating banks or financial institutions. Fees set by participating banks or financial institutions. 0.10% state administrative fee is included in the bank or financial institution fees.   Not applicable, interest rates are established by the participating bank or financial institution.
Virginia529 inVEST
Virginia
Effective May 1, 2014, VA529 no longer charges an application fee for this program if application is submitted online. None. 0.15% manager fee. Ranges from 0.10% to 0.59% (portfolio weighted average) in the age-based and static multi-fund portfolios, and 0.04% to 0.68% in the individual-fund portfolios. 0.19% - 0.83%
Virginia529 prePAID
Virginia
Effective May 1, 2014, VA529 no longer charges an application fee for this program if application is submitted online.        
Guaranteed Education Tuition (GET)
Washington
$50. There is a $100 limit per family.        
SMART529 Prepaid Tuition Plan
West Virginia
None.        
SMART529 Select
West Virginia
None. $25 annually, deducted at end of each year. Waived for accounts over $25,000, for WV residents, and for accounts in the automatic investment program. 0.47% management fee (includes 0.05% to the state). Ranges from 0.22% to 0.31% (portfolio weighted average). 0.64% - 0.78%
SMART529 WV Direct College Savings Plan
West Virginia
None. None. Ranges from 0.03% to 0.25%, none for Stable Value. State fees are waived for participants in the direct plan. Ranges from 0.04% to 0.40%. 0.29% to 0.40%
The Hartford SMART529
West Virginia
None. $25 annually, deducted at the end of each year, waived for accounts over $25,000, for WV residents, and for accounts in the automatic investment program. No annual maintenance fee for Class E fee structure. 0.25% management fee (includes 0.07% to the state) except Stable Value has 0.23% management fee (includes 0.05% to the state), plus distribution/servicing fees of 0.25% (Class A), 0.80% (Class B), 0.99% (Class C), or 0% (Class E). Ranges from 0.40% to 1.34%. Class A: 0.88% - 1.84%
Class B: 1.43 - 2.39%
Class C: 1.62% - 2.58%
Class E: 0.63% - 1.59%
Edvest
Wisconsin
None. None. 0.08% management fee, none for the Principal Plus Interest Portfolio. These figures do not include the state administrative fee (0.10%) which is currently being waived. Ranges from 0.09% to 0.37% (portfolio weighted average) in the age-based and static multi-fund portfolios, 0.06% to 0.19% in the individual-fund portfolios, none in the Principal Plus Interest portfolio. The CD option has no underlying expense beyond the management and state administration fee. 0.08% - 0.45%
Tomorrow's Scholar 529 Plan
Wisconsin
None, but contributions may be subject to a sales charge depending on share class. $25 annually per account option with $25,000 or less, waived with automatic deposits of $25 per month in each option (active for the 12 previous months without interruption or since account opening). 0.18% management fee (includes 0.10% fee to the state), plus distribution/servicing fees of 0.25% (Class A), 1.00% (Class AR for Rollovers), 1.00% (Class C), 0.50% (Class C1; TIAA-CREF portfolios), none (Class W), and 0.05% for TIAA-CREF Principal Protection Option. Class AR shares convert to Class A shares after one year at which time distribution/servicing fees are 0.25%. Class C shares convert to Class A shares after six years, at which time distribution/servicing fees are 0.25%. Ranges from 0.44% to 0.75% (portfolio weighted average) in the age-based and static allocation portfolios, 0.07% to 1.11% in the single fund portfolios, none for the TIAA-CREF Principal Protection portfolio. Class A: 0.23% - 1.54%
Class AR (for rollovers): 1.25% - 2.29%
Class C: 1.62% - 2.29%
Class C1 (TIAA-CREF portfolios): 0.75% - 0.83%
Class W: 0.25% - 1.29%