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529 College Savings Plans, Listed by State

July 28, 2015
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NerdWallet recommends using 529 plans to save for college. There are two types:

  • 529 college savings plans are the most common type. Investments grow tax-free and can be withdrawn tax-free for educational expenses like tuition, room and board, and required textbooks.
  • 529 prepaid plans let you prepay part or all of an in-state public tuition, locking in the tuition at time of payment.

Unlike retirement and other investment accounts, 529 plans are operated by each state, which makes searching for the best option fairly easy; if your state offers a tax deduction for contributing, you’ll likely get the most bang for your buck by contributing to its plan.

But a common misconception is that you have to contribute to your state’s plan. In reality, you’re free to choose any plan you’d like, so it’s worth comparing your options (and some states, like Colorado, offer more than one 529 plan).

Read more on 529 plan rules here.

We recommend direct-sold plans: They are sold directly by the state, rather than through an advisor, which translates into lower fees for investors. Below are two lists, one for each type of plan, showing direct-sold 529 plans by state.


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College savings plans by state

State Plan name Does this state offer a tax benefit for in-state contributors? Minimum contribution
Alabama CollegeCounts 529 plan Yes $0
Alaska University of Alaska College Savings Plan No $250
Arizona Arizona Family College Savings Program Any state’s plan $50
Arkansas GIFT College Investing plan Yes $25
California ScholarShare College Savings Plan No $25
Colorado CollegeInvest Direct Portfolio College Savings plan Yes $25
Connecticut Connecticut Higher Education Trust Yes $25
Delaware Delaware College Investment Plan No $50
District of Columbia DC 529 College Savings Program Yes $25
Florida Florida 529 Savings Plan No $0
Georgia Path2College 529 plan Yes $25
Hawaii Hawaii’s College Savings Program No $15
Idaho Idaho College Savings Program Yes $25
Illinois Bright Start College Savings Program Yes $0
Indiana CollegeChoice 529 Direct Savings plan Yes $10
Iowa College Savings Iowa 529 plan Yes $25
Kansas Learning Quest 529 Education Savings Program Any state’s plan $25
Kentucky Kentucky Education Savings Plan Trust No $25
Louisiana START Savings Program Yes $10
Maine NextGen College Investing Plan No $25
Maryland Maryland529 Yes $250
Massachusetts Massachusetts U.Fund College Investing Plan Yes $50
Michigan Michigan Education Savings Program Yes $25
Minnesota Minnesota College Savings Plan Yes $25
Mississippi Mississippi Affordable College Savings Program Yes $25
Missouri MOST 529 College Savings Plan Any state’s plan $0
Montana Montana Family Education Savings Program Any state’s plan $25
Nebraska Nebraska Education Savings Trust – Direct College Savings plan Yes $0
Nevada Nevada College Savings Plans No $15
New Hampshire UNIQUE College Investing Plan No $50
New Jersey NJ BEST College Savings Plan No $25
New Mexico The Education Plan Yes $25
New York New York’s 529 College Savings Program Yes $0
North Carolina College Foundation of North Carolina No $25
North Dakota College SAVE Yes $25
Ohio Ohio CollegeAdvantage 529 Savings plan Yes $25
Oklahoma Oklahoma College Savings plan Yes $100
Oregon Oregon College Savings plan Yes $25
Pennsylvania PA 529 Any state’s plan $25
Rhode Island CollegeBound Fund Yes $0
South Carolina Future Scholar 529 College Savings plan Yes $0
South Dakota College Access 529 No $250
Tennessee TN Stars College Savings 529 Program No $25
Texas Texas College Savings Plan No $25
Utah Utah Educational Savings plan (UESP) Yes $0
Vermont Vermont Higher Education Investment plan Yes $25
Virginia Virginia529 inVEST Yes $25
Washington DreamAhead College Investment Plan No $25
West Virginia SMART529 WV Direct College Savings plan Yes $0
Wisconsin Edvest College Savings plan Yes $25
Wyoming No state plan N/A N/A

Prepaid plans by state

The minimum contribution to a prepaid plan depends on the cost of a credit or the monthly payment plan. Check the specific plan for the correct minimum.

State Plan name State tax benefit?
Alabama Prepaid Affordable College Tuition Program Yes
Florida Florida Prepaid College plan No
Illinois College Illinois! 529 Prepaid Tuition Program Yes
Maryland College Savings Plans of Maryland – Prepaid College Trust Yes
Massachusetts Massachusetts U.plan Yes
Michigan Michigan Education Trust Yes
Mississippi Mississippi Prepaid Affordable College Tuition (MPACT) Program Yes
Nevada Nevada Prepaid Tuition Program No
Texas Texas Tuition Promise Fund No
Virginia Virginia529 prePAID Yes
Washington Washington Guaranteed Education Tuition (GET) No