Compare by Features

Plan	Program match on contributions:	Does the sponsoring state exclude the value of an account for state financial aid purposes?	Does participation in the program provide beneficiaries with any advantages in qualifying for resident tuition status at state institutions?	Does the program have a formal agreement with a rewards program or outside scholarship program?
CollegeCounts 529 Fund Alabama	None	No	No	No
Higher Education 529 Fund (Adviser-sold) Alabama	None	No	No	No
Prepaid Affordable College Tuition (PACT) Program Alabama		No	No	No
John Hancock Freedom 529 Alaska	None	No	No	No
T. Rowe Price College Savings Plan Alaska	None	No	No	No
University of Alaska College Savings Plan Alaska	None, but offers tuition-value guarantee for University of Alaska students invested in the ACT Portfolio	No	Yes, a beneficiary receiving a qualified distribution from an account to pay tuition at the University of Alaska may be eligible for a waiver of the nonresident tuition surcharge	No
Arizona Family College Savings Program - CollegeSure® 529 Plan Arizona	None	Yes	No	No
Fidelity Arizona College Savings Plan Arizona	None	Yes	No	Yes, Fidelity Investments 529 College Rewards American Express Card rebates 2% of purchases.
InvestEd Plan Arizona	None	Yes	No	No
GIFT College Investing Plan Arkansas	Beginning in 2008, the program provides matching grants of up to $500 annually to eligible Arkansas families, based on household income level. For adjusted household income of $30,000 or less, the matching rate is $2 for each $1 contributed. For income of $30,001 to $60,000, the matching rate is $1 for each $1 contributed. Applications for matching grants are accepted each year between January 1 and April 30.	No	No	Yes, with the Upromise rewards service
iShares 529 Plan Arkansas	None	No	No	Yes, with the Upromise rewards service
ScholarShare Advisor College Savings Plan California	None	No	No	Yes, Fidelity Investments 529 College Rewards American Express Card rebates 2% of purchases.
The ScholarShare College Savings Plan California	None	No	No	Yes, Fidelity Investments 529 College Rewards American Express Card rebates 2% of purchases.
Direct Portfolio College Savings Plan Colorado	Dollar-for-dollar match of up to $500 in contributions for lower- to middle-income Colorado residents to accounts with an eligible beneficiary (a dependent under age 13 at the time of initial application); the match can extend for a maximum five years; matching grants for future years are subject to continued funding by the sponsor.	No	No	Yes, with the Upromise rewards service
Prepaid Tuition Fund Colorado		No	No	No
Scholars Choice College Savings Program Colorado	Dollar-for-dollar match of up to $500 in contributions for lower- to middle-income Colorado residents to accounts with an eligible beneficiary (a dependent under age 13 at the time of initial application); the match can extend for a maximum five years; matching grants for future years are subject to continued funding by the sponsor.	No	No	No
Smart Choice College Savings Plan Colorado	None.	No	No	No
Stable Value Plus College Savings Program Colorado	Dollar-for-dollar match of up to $500 in contributions for lower- to middle-income Colorado residents to accounts with an eligible beneficiary (a dependent under age 13 at the time of initial application); the match can extend for a maximum five years; matching grants for future years are subject to continued funding by the sponsor.	No	No	No
Connecticut Higher Education Trust (CHET) Connecticut	None	No	No	No
Delaware College Investment Plan Delaware	None	No	No	Yes, Fidelity Investments 529 College Rewards American Express Card rebates 2% of purchases.
DC 529 College Savings Program (Adviser-sold) District of Columbia	None	No	No	No
DC 529 College Savings Program (Direct-sold) District of Columbia	None	No	No	No
Florida College Investment Plan Florida	None	No	No	No
Florida Prepaid College Plan Florida		No	Yes, the qualified beneficiary is classified a resident for tuition purposes regardless of actual home of record.	No
Path2College 529 Plan Georgia	None	Yes	No	Yes, with Futuretrust
Hawaii's College Savings Program Hawaii	None	No	No	Yes, with the Upromise Rewards Service
Idaho College Savings Program (IDeal) Idaho	None	No	No	Yes, Upromise Rewards Service
Bright Directions College Savings Program Illinois	None	No	No	Yes, Bright Directions 529 College Savings Visa with a 1.529% reward on qualifying purchases.
Bright Start College Savings Program - Advisor-sold Plan Illinois	None	No	No	Yes, with Futuretrust
Bright Start College Savings Program - Direct-sold Plan Illinois	None	No	No	Yes, with Futuretrust
College Illinois! 529 Prepaid Tuition Program Illinois		No	No	No
CollegeChoice 529 Direct Savings Plan Indiana	None	Yes	No	Yes, with the Upromise Rewards service
CollegeChoice Advisor 529 Savings Plan Indiana	None	Yes	No	Yes, with the Upromise rewards service
College Savings Iowa Iowa	None	Yes	No	Yes, with the Upromise rewards service
Iowa Advisor 529 Plan Iowa	None	Yes	No	Yes, with the Upromise rewards service
Learning Quest 529 Education Savings Program (Direct-sold) Kansas	The state will match on a dollar-for-dollar basis contributions above $100 and up to $600 per year by Kansas residents with household incomes below 200% of the federal poverty income level. The program is limited to 300 participants from each of Kansas' four Congressional districts in 2009. Applications and contributions must be received by December 31, 2009.	No	Yes, Washburn University currently offers in-state tuition to non-residents enrolled in the program. Washburn University also offers $1,000 scholarships to students with Learning Quest accounts who meet certain criteria.	No
Learning Quest Advisor Kansas	The state will match on a dollar-for-dollar basis contributions above $100 and up to $600 per year by Kansas residents with household incomes below 200% of the federal poverty income level. The program is limited to 300 participants from each of Kansas' four Congressional districts in 2009. Applications and contributions must be received by December 31, 2009.	No	Yes, Washburn University currently offers in-state tuition to non-residents enrolled in the program. Washburn University also offers $1,000 scholarships to students with Learning Quest accounts who meet certain criteria.	No
Schwab 529 College Savings Plan Kansas	None	No	Yes, Washburn University currently offers in-state tuition to non-residents enrolled in the program. Washburn University also offers $1,000 scholarships to students with Schwab 529 accounts who meet certain criteria.	No
Kentucky Education Savings Plan Trust Kentucky	None	Yes	Yes, beneficiaries with eight years of program participation and $2,400 in total contributions who move out-of-state remain eligible for resident tuition rates at Kentucky public institutions	Yes, with Futuretrust
Kentucky's Affordable Prepaid Tuition (KAPT) Kentucky		Yes	No	No
START Saving Program Louisiana	The state provides an earnings enhancement equal to 2% to 14% (depending on income) of a Louisiana participant's contributions when the account is used for qualifying expenses	No, but START funds can be used in conjunction with both the TOPS merit-based awards and the GO Grant need-based award.	No	No
NextGen College Investing Plan - Client Direct Series Maine	The Initial Matching Grant Program for Maine residents with family adjusted gross income of $75,000 or less provides a $200 grant with a new account of at least $50. The Annual Matching Grant Program provided additional ongoing matching grants, but was not renewed for 2010. Separately, the Harold Alfond College Challenge makes a one-time $500 grant available to all Maine babies to start a NextGen account, regardless of family income.	No	No	No
NextGen College Investing Plan - Client Select Series Maine	The Initial Matching Grant Program for Maine residents with family adjusted gross income of $75,000 or less provides a $200 grant with a new account of at least $50. The Annual Matching Grant Program offered additional ongoing matching grants, but was not renewed for 2010. Separately, the Harold Alfond College Challenge makes a one-time $500 grant available to all Maine babies to start a NextGen account, regardless of family income.	No	No	No
College Savings Plans of Maryland - College Investment Plan Maryland	None	No	No	No
College Savings Plans of Maryland - Prepaid College Trust Maryland		No	No	No
U.Fund College Investing Plan Massachusetts	None	No	No	Yes, Fidelity Investments 529 College Rewards American Express Card rebates 2% of purchases.
U.Plan Massachusetts		No	No	No
MI 529 Advisor Plan Michigan	None		No	No
Michigan Education Savings Program Michigan	Michigan matching grants based on MESP contributions have been discontinued for the 2009-2010 year. In prior years, a Michigan resident with adjusted gross income of $80,000 or less and a beneficiary under seven years old could apply for a one-time matching grant of $1 for every $3 contributed, up to a maximum $200 grant.	Yes	No	No
Michigan Education Trust Michigan		Yes	No	No
Minnesota College Savings Plan Minnesota	A 15% or 10% matching grant of up to $400 per year for Minnesota residents, subject to income limitations. Applications for the 2008 matching grant are due by May 1, 2009.	No	No	No
MACS 529 Advisor Program Mississippi	None	Yes	No	No
Mississippi Affordable College Savings (MACS) Program Mississippi	None	Yes	No	No
Mississippi Prepaid Affordable College Tuition (MPACT) Program Mississippi		Yes	Yes, a beneficiary is considered a resident for purposes of tuition regardless of the beneficiary's residence at college enrollment if the original purchaser was the parent, grandparent, or legal guardian of the beneficiary or the beneficiary was a resident of Mississippi at the time the MPACT contract was purchased	No
MOST - Missouri's 529 Advisor Plan Missouri	None	Yes	No	Yes, with the Upromise rewards service
MOST - Missouri's 529 College Savings Plan (Direct-sold) Missouri	None	Yes	No	Yes, with the Upromise rewards service
Montana Family Education Savings Program - CollegeSure® 529 Plan Montana	None	No	No	No
Pacific Life Funds 529 College Savings Plan (Adviser-sold) MT Montana	None	No	No	No
Pacific Life Funds 529 College Savings Plan (Direct-sold) MT Montana	None	No	No	No
AIM College Savings Plan Nebraska	Nebraska and non-Nebraska plan beneficiaries attending a Nebraska higher education institution are eligible to receive additional contributions from a privately-funded endowment fund	Yes	No	No
College Savings Plan of Nebraska (Adviser-sold) Nebraska	Nebraska and non-Nebraska plan beneficiaries attending a Nebraska higher education institution are eligible to receive additional contributions from a privately-funded endowment fund	Yes	No	No
College Savings Plan of Nebraska (Direct-sold) Nebraska	Nebraska and non-Nebraska plan beneficiaries attending a Nebraska higher education institution are eligible to receive additional contributions from a privately-funded endowment fund	Yes	No	No
State Farm College Savings Plan Nebraska	Nebraska and non-Nebraska plan beneficiaries attending a Nebraska higher education institution are eligible to receive additional contributions from a privately-funded endowment fund	Yes	No	No
TD Ameritrade 529 College Savings Plan Nebraska	Nebraska and non-Nebraska plan beneficiaries attending a Nebraska higher education institution are eligible to receive additional contributions from a privately-funded endowment fund	Yes	No	No
Columbia 529 Plan Nevada	None	No	No	Yes, with the Upromise rewards service
Nevada Prepaid Tuition Program Nevada		Yes, the account is excluded for purposes of determining eligibility for a grant, scholarship, or work opportunity based on need and offered or administered by a state agency	No	No
The Upromise College Fund Nevada	None	No	No	Yes, with the Upromise rewards service
The Vanguard 529 Savings Plan Nevada	None	No	No	Yes, with the Upromise rewards service
USAA College Savings Plan Nevada	None	No	No	Yes, with the Upromise rewards service
Fidelity Advisor 529 Plan New Hampshire	None	No	No	Yes, Fidelity Investments 529 College Rewards American Express Card rebates 2% of purchases.
UNIQUE College Investing Plan New Hampshire	None	No	No	Yes, Fidelity Investments 529 College Rewards American Express Card provides 2% of purchases.
Franklin Templeton 529 College Savings Plan New Jersey	There is no program match, however, New Jersey beneficiaries are eligible for a one-time scholarship of up to $1,500 for the first semester at any New Jersey college or university subject to minimum participation and contribution requirements	Yes, by state regulation.	No	No
NJBEST 529 College Savings Plan New Jersey	There is no program match, however, New Jersey beneficiaries are eligible for a one-time scholarship of up to $1,500 for the first semester at any New Jersey college or university subject to minimum participation and contribution requirements	Yes, by state regulation.	No	No
Scholar'sEdge New Mexico	None	Yes	No	No
The Education Plan's College Savings Program New Mexico	None	Yes	No	No
New York's 529 College Savings Program - Advisor Plan New York	None	Yes	No	Yes, with the Upromise rewards service
New York's 529 College Savings Program - Direct Plan New York	None	Yes	No	Yes, with the Upromise rewards service
National College Savings Program North Carolina	None	No	No	Yes, with the Upromise rewards service
College SAVE North Dakota	The program provides a one-time match of contributions up to $300 per beneficiary for North Dakota participants with incomes below $40,000 (single) or $80,000 (joint). Contributions within 12 months of the account opening are eligible for the match. The beneficiary must be 12 years of age or younger. For participants with incomes below $20,000 (single) or $40,000 (joint), the match is available for an additional two years.	No	No	Yes, with the Upromise rewards service
BlackRock CollegeAdvantage 529 Plan Ohio	None	No	No	No
Ohio CollegeAdvantage - Guaranteed Savings Fund Ohio		No	No	No
Ohio CollegeAdvantage 529 Savings Plan Ohio	None	No	No	No
Putnam CollegeAdvantage Ohio	None	No	No	No
Oklahoma College Savings Plan Oklahoma	Contributions to accounts established for certain Oklahoma children are eligible for a 1-for-1 or .5-for-1 match (depending on income) for years 2008 through 2011. The maximum match is $250/year or $125/year. The match is part of a study funded by the Ford Foundation called SEED OK. Eligibility is restricted to children who were born in 2007 and randomly selected under the study to receive an initial $1,000 contribution to a SEED account.	Effective November 1, 2008, money in an Oklahoma 529 plan account will no longer be considered in calculating eligibility for TANF, Food Stamps or the Low Income Home Energy Assistance Program (LIHEAP).	No	No
Oklahoma Dream 529 Plan Oklahoma	None	Effective November 1, 2008, money in an Oklahoma 529 plan account will no longer be considered in calculating eligibility for TANF, Food Stamps or the Low Income Home Energy Assistance Program (LIHEAP).	No	No
MFS 529 Savings Plan Oregon	None	No	No	No
OppenheimerFunds 529 Plan Oregon	None	No	No	No
Oregon College Savings Plan Oregon	None	No	No	No
Independent 529 Plan Other		N/A, not a state-sponsored program	No	No
Pennsylvania 529 Guaranteed Savings Plan Pennsylvania		Yes	No	Yes, with the Upromise rewards service. Plan participants are also eligible for "Tuition Rewards" - guaranteed tuition discounts at over 185 colleges participating in the privately-run SAGE Scholars program.
Pennsylvania 529 Investment Plan Pennsylvania	None	Yes	No	Yes, with the Upromise rewards service; savings in this program are also eligible for earning "Tuition Rewards" - guaranteed tuition discounts at over 185 colleges participating in the privately-run SAGE Scholars program (available only on accounts in which the account owner or beneficiary are Pennsylvania residents at the time the nowU account is opened).
CollegeBoundfund (Adviser-sold) Rhode Island	The CollegeBoundfund Matching Grant Program will match the applicant's contribution to a CollegeBoundfund account up to the first $500 contributed annually, subject to availability of funds. The applicant must meet the income guidelines established for the contribution year and provide verification of the familiy's adjusted gross income for the most recently completed tax year.	Yes	No	No
CollegeBoundfund (Direct-sold, Alternative R) Rhode Island	The CollegeBoundfund Matching Grant Program will match the applicant's contribution to a CollegeBoundfund account up to the first $500 contributed annually, subject to availability of funds. The applicant must meet the income guidelines established for the contribution year and provide verification of the familiy's adjusted gross income for the most recently completed tax year.	Yes	No	No
Future Scholar 529 College Savings Plan (Adviser-sold) South Carolina	None	No	No	No
Future Scholar 529 College Savings Plan (Direct-sold) South Carolina	None	No	No	Yes, with the Upromise rewards service
South Carolina Tuition Prepayment Program South Carolina		No	No	No
CollegeAccess 529 (Adviser-sold) South Dakota	None	No	No	No, state's scholarship program receives support from Allianz but does not restrict scholarships to 529 plan participants.
CollegeAccess 529 (Direct-sold) South Dakota	None	No	No	No, state's scholarship program receives support from Allianz but does not restrict scholarships to 529 plan participants.
Tennessee's BEST Prepaid College Tuition Plan Tennessee		No	No	No
Lonestar 529 Plan Texas	None	No	No	No
Texas College Savings Plan Texas	None	No	No	No
Texas Guaranteed Tuition Plan Texas		No	Yes, the program offers in-state tuition rates to Texas beneficiaries who subsequently move out of Texas	No
Texas Tuition Promise Fund Texas		No	No	No
Utah Educational Savings Plan (UESP) Trust Utah	Program matches contributions of low-income Utah participants.	No	No, except that for accounts opened before May 5, 2008, beneficiaries may receive in-state tuition at an eligible Utah school if they held a UESP account and lived in Utah for eight consecutive years prior to moving out of state.	No
Vermont Higher Education Investment Plan Vermont	None	No, however, the account is treated as an asset of the student's parent and not as an asset of the beneficiary	No	No
CollegeAmerica Virginia	None	No	No	No
CollegeWealth Virginia	None	No	No	No
Virginia Education Savings Trust (VEST) Virginia	None	No	No	No
Virginia Prepaid Education Program (VPEP) Virginia		Yes	No	No
Guaranteed Education Tuition (GET) Washington		Yes, Washington considers current income for state financial aid purposes (all assets, including 529 accounts, are excluded from consideration).	No	No
SMART529 Prepaid Tuition Plan West Virginia		Yes	No	No
SMART529 Select West Virginia	None	Yes	No	No
SMART529 WV Direct College Savings Plan West Virginia	None	Yes	No	No
The Hartford SMART529 West Virginia	None	Yes	No	No
EdVest (Adviser-sold) Wisconsin	None	Yes	No	Yes, eligible for earning "Tuition Rewards" - guaranteed tuition discounts at over 200 colleges participating in the privately-run SAGE Scholars program
EdVest (Direct-sold) Wisconsin	None	Yes	No	Yes, eligible for earning "Tuition Rewards" - guaranteed tuition discounts at over 200 colleges participating in the privately-run SAGE Scholars program
tomorrow's scholar Wisconsin	None	Yes	No	Yes, eligible for earning "Tuition Rewards" - guaranteed tuition discounts at over 200 colleges participating in the privately-run SAGE Scholars program
Direct Portfolio College Savings Plan WY Wyoming	None	No	No	Yes, with the Upromise rewards service
Stable Value Plus College Savings Plan Wyoming	None	No	No	No

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