Worried about 529 plan fees? To ease your concerns about paying too much to save for college, here’s a list of the 15 lowest cost direct-sold plan options, based on our latest annual 529 Fee Study, dated March 2021.
15. Nevada – The Vanguard 529 Savings Plan

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $154
- Highest cost options – $530
Available to residents of any state
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14. West Virginia – SMART529 WV Direct College Savings Plan

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $147
- Highest cost options – $280
Only available to West Virginia residents
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13. Virginia – Invest529

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $142
- Highest cost options – $779
Available to residents of any state
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12. New Hampshire – UNIQUE College Investing Plan (tie)

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $141
- Highest cost options – $1,208
Available to residents of any state
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11. Massachusetts U.Fund College Investing Plan (tie)

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $141
- Highest cost options – $1,208
Available to residents of any state
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10. Delaware – Delaware College Investment Plan (tie)

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $141
- Highest cost options – $1,208
Available to residents of any state
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9. Connecticut – Connecticut Higher Education Trust (tie)

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $141
- Highest cost options – $1,208
Available to residents of any state
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8. Arizona – Fidelity Arizona College Savings Plan (tie)

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $141
- Highest cost options – $1,208
Available to residents of any state
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7. Illinois – Bright Start College Savings Program – Direct-sold Plan

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $122
- Highest cost options – $999
Available to residents of any state
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6. Michigan – Michigan Education Savings Program

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $96
- Highest cost options – $173
Available to residents of any state
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5. California – The ScholarShare College Savings Plan

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $77
- Highest cost options – $666
Available to residents of any state
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4. Texas – Texas College Savings Plan

529 plan fees
- Lowest cost options – $51
- Highest cost options – $1,211
Available to residents of any state
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3. South Carolina – Future Scholar 529 College Savings Plan (Direct-sold)

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $26
- Highest cost options – $318
Only available to South Carolina residents
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2. Florida – Florida 529 Savings Plan

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $25
- Highest cost options – $957
Only available to Florida residents
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1. Louisiana – START Saving Program

529 plan fees
10 year costs on a $10,000 investment:
- Lowest cost options – $0
- Highest cost options – $138
Only available to Louisiana residents
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