529 PLANS

Significant time or age restrictions imposed by the program

Plan Significant time or age restrictions imposed by the program:
CollegeCounts 529 Fund
Alabama
None Enroll Now
CollegeCounts 529 Fund Advisor Plan
Alabama
None Plan Details
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. Plan Details
John Hancock Freedom 529
Alaska
None Plan Details
T. Rowe Price College Savings Plan
Alaska
None Enroll Now
University of Alaska College Savings Plan
Alaska
None Enroll Now
Arizona Family College Savings Program
Arizona
Fixed-rate CDs have one-, two- or three-year maturities. The CDs are subject to early redemption penalties ranging from 1% to 10% of principal for withdrawals prior to maturity. Enroll Now
Fidelity Arizona College Savings Plan
Arizona
None Enroll Now
Ivy InvestEd 529 Plan
Arizona
None Plan Details
GIFT College Investing Plan
Arkansas
None Plan Details
iShares 529 Plan
Arkansas
None Plan Details
ScholarShare 529
California
None Plan Details
Direct Portfolio College Savings Plan
Colorado
None Enroll Now
Scholars Choice College Savings Program
Colorado
None Plan Details
Smart Choice College Savings Plan
Colorado
None, except the One-Year Time Savings Account option is subject to early withdrawal penalties. Plan Details
Stable Value Plus College Savings Program
Colorado
None Plan Details
Connecticut Higher Education Trust (CHET)
Connecticut
None Plan Details
Connecticut Higher Education Trust (CHET) -- Advisor Plan
Connecticut
None Plan Details
Delaware College Investment Plan
Delaware
None Enroll Now
DC College Savings Plan
District of Columbia
None Enroll Now
Florida 529 Savings Plan
Florida
None Plan Details
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. Plan Details
Path2College 529 Plan
Georgia
None Enroll Now
Hawaii's College Savings Program
Hawaii
None Enroll Now
Idaho College Savings Program (IDeal)
Idaho
None Enroll Now
Bright Directions Advisor-Guided 529 College Savings Program
Illinois
None. Plan Details
Bright Start Direct-Sold College Savings Program
Illinois
None Enroll Now
College Illinois! 529 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. Plan Details
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. Enroll Now
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. Plan Details
CollegeChoice CD 529 Savings Plan
Indiana
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. Enroll Now
College Savings Iowa
Iowa
None Enroll Now
IAdvisor 529 Plan
Iowa
None Plan Details
Learning Quest 529 Education Savings Program (Direct-sold)
Kansas
None Plan Details
Learning Quest Advisor
Kansas
None Plan Details
Schwab 529 College Savings Plan
Kansas
None Plan Details
Kentucky Education Savings Plan Trust
Kentucky
None Plan Details
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. Plan Details
START Saving Program
Louisiana
Refunds requested from the Fixed Earnings fund within 12 months of opening the account will not return any interest. Plan Details
NextGen College Investing Plan -- Client Direct Series
Maine
None Enroll Now
NextGen College Investing Plan -- Client Select Series
Maine
None Plan Details
Maryland 529 -- College Investment Plan
Maryland
None Enroll Now
Maryland 529 -- 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. Plan Details
U.Fund College Investing Plan
Massachusetts
None Enroll Now
U.Plan Prepaid Tuition Program
Massachusetts
A tuition certificate must be redeemed within 6 years after its maturity date. Plan Details
Michigan Education Savings Program (MESP)
Michigan
None Plan Details
Michigan Education Trust
Michigan
Contract benefits must be used within 15 years after the projected college entrance date. Plan Details
Minnesota College Savings Plan
Minnesota
None Plan Details
Mississippi Affordable College Savings (MACS) Program
Mississippi
None Plan Details
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. Plan Details
MOST - Missouri's 529 Savings Plan (Direct-sold)
Missouri
None Enroll Now
Achieve Montana
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. Plan Details
Montana Family Education Savings Program -- Bank Plan
Montana
CollegeSure® 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. Plan Details
Nebraska Education Savings Trust -- Advisor College Savings Plan
Nebraska
None Plan Details
Nebraska Education Savings Trust -- Direct College Savings Plan
Nebraska
None Enroll Now
State Farm College Savings Plan
Nebraska
None Plan Details
TD Ameritrade 529 College Savings Plan
Nebraska
None Plan Details
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. Plan Details
Putnam 529 for America
Nevada
None Plan Details
SSGA Upromise 529 Plan
Nevada
None Plan Details
The Vanguard 529 College Savings Plan
Nevada
None Enroll Now
USAA 529 College Savings Plan
Nevada
None Plan Details
Wealthfront 529 College Savings Plan
Nevada
None Plan Details
Fidelity Advisor 529 Plan
New Hampshire
None Plan Details
UNIQUE College Investing Plan
New Hampshire
None Enroll Now
Franklin Templeton 529 College Savings Plan
New Jersey
None Plan Details
NJBEST 529 College Savings Plan
New Jersey
None Enroll Now
Scholar's Edge
New Mexico
None Enroll Now
The Education Plan's College Savings Program
New Mexico
None Enroll Now
New York's 529 Advisor-Guided College Savings Plan
New York
None Plan Details
New York's 529 College Savings Program -- Direct Plan
New York
None Enroll Now
National College Savings Program
North Carolina
None Enroll Now
College SAVE (Advisor)
North Dakota
None Plan Details
College SAVE (Direct)
North Dakota
None Enroll Now
BlackRock CollegeAdvantage Advisor 529 Savings Plan
Ohio
None Plan Details
CollegeAdvantage Guaranteed 529 Savings Plan
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. Plan Details
Ohios 529 Plan, CollegeAdvantage
Ohio
None Enroll Now
Oklahoma College Savings Plan
Oklahoma
None Plan Details
Oklahoma Dream 529 Plan
Oklahoma
None Plan Details
MFS 529 Savings Plan
Oregon
None. Plan Details
Oregon College Savings Plan
Oregon
None. Plan Details
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. Enroll Now
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. Plan Details
Pennsylvania 529 Investment Plan
Pennsylvania
None Plan Details
CollegeBound 529 (Advisor-sold)
Rhode Island
None Plan Details
CollegeBound Saver (Direct-sold)
Rhode Island
None Enroll Now
Future Scholar 529 College Savings Plan (Advisor-sold)
South Carolina
None Plan Details
Future Scholar 529 College Savings Plan (Direct-sold)
South Carolina
None Enroll Now
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. Plan Details
CollegeAccess 529 (Advisor-sold)
South Dakota
None Plan Details
CollegeAccess 529 (Direct-sold)
South Dakota
None Plan Details
TNStars College Savings 529 Program
Tennessee
Any contribution made to an account must be on the account for 21 days before it can be withdrawn. Plan Details
Lonestar 529 Plan
Texas
None Plan Details
Texas College Savings Plan
Texas
None Plan Details
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. Plan Details
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. Plan Details
my529
Utah
None. The requirement that distributions begin by a certain age or date was removed in 2008. Plan Details
Vermont Higher Education Investment Plan
Vermont
None Plan Details
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. Plan Details
Invest529
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. Enroll Now
Prepaid529
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. Plan Details
Guaranteed Education Tuition (GET)
Washington
Units must be used within 10 years after the beneficiary's projected college entrance year or the first use of units, whichever is later. Enroll Now
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. Plan Details
SMART529 Select
West Virginia
None Plan Details
SMART529 WV Direct College Savings Plan
West Virginia
None Plan Details
The Hartford SMART529
West Virginia
None Plan Details
Edvest
Wisconsin
None Plan Details
Tomorrow's Scholar 529 Plan
Wisconsin
None Plan Details
 

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