Understanding 529 Plans

Use this section to learn about 529 Plans, see answers to commonly asked 529 questions and get the latest news from the 529 industry. You can take a tutorial to explain 529 Plans and learn about how to save for college most effectively.

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For Grandparents

Grandparents and 529s work well together! In this section we explain gift rules, retirement planning and how best to provide for your grandchild's college education.

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Can you use a 529 plan to pay for travel costs?

You cannot use a 529 plan to pay for travel and transportation costs. The earnings portion of a distribution from a 529 that is used to pay for travel and transportation expenses will be considered a non-qualified distribution. Non-qualified distributions are taxable at the beneficiary’s rate, plus a 10% tax penalty, as well as recapture of state income tax benefits attributable to the distribution.

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