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By Devon Copeland, Senior Communications Associate, Invest529

January 7, 2025

As we enter 2025, many people are examining their spending habits more closely. Beyond balancing budgets, there’s a growing focus on making financial decisions that reflect their values and support what matters most—family, education, and a secure future.

For parents, grandparents, and guardians, investing in education is one of the most meaningful ways to align finances with purpose. Whether you’re preparing for a child’s college tuition, a trade school certification, or even your own professional development, a 529 account offers a flexible, tax-advantaged way to save for education expenses.

Here’s how a 529 account can help you meet your 2025 financial goals while staying true to your values:

1. Put Your Money Where Your Priorities Are

529 accounts are more than just savings tools—they’re a commitment to education and lifelong learning. In 2025, a 529 account can be a purposeful way to invest in the future you want to see for your family.

Qualified expenses include tuition, fees, room and board, textbooks (if required by the syllabus), and even student loan repayment in some cases. By contributing to a 529 account, you’re making a choice to empower opportunities and break down financial barriers to education.

2. Stay Flexible with Education Plans

Education looks different for everyone, and a 529 account recognizes that. Funds can be used for a variety of post-high school pathways, including trade schools, community colleges, four-year universities, and registered apprenticeships.

Not sure what the future holds? No problem. 529 accounts allow for beneficiary changes, meaning if one child doesn’t use the funds, you can transfer them to another family member—or even to yourself if you’re planning a career pivot or learning opportunity.

3. Let Your Money Work Smarter for You

Saving in a 529 account offers tax advantages that let your contributions grow more efficiently. Earnings are tax-free when used for qualified education expenses, and some states, like Virginia, offer state income tax deductions for contributions.

Think of it this way: Every dollar saved in a 529 is a dollar you won’t have to borrow with interest later. This not only protects your budget but also supports financial independence for the next generation.

4. Start Small, Dream Big

One of the best things about a 529 account is its accessibility. You don’t need to make large contributions to make a significant impact. Small, consistent contributions—whether monthly or annually—can add up significantly over time.

If you’re looking for ways to engage friends and family in your savings journey, consider encouraging them to contribute to your 529 account instead of giving traditional gifts. Many plans allow you to send gift links for easy contributions.

5. Take Advantage of the Present

In 2025, don’t wait to start saving because you feel like you’re behind. Whether your child is in diapers, middle school, or nearing graduation, it’s never too late to make progress. Start with what you can today—every bit counts.

By prioritizing a 529 account, you’re not just saving money but creating a legacy of learning, empowerment, and financial stability.

Make 2025 a Year of Intentional Choices
The new year offers individuals and families an opportunity to focus on financial decisions that align with what matters most. Opening or contributing to a 529 account isn’t just about dollars and cents; it’s about investing in opportunities, dreams, and the values you hold dear.

About the Author

Devon Copeland is the senior communications associate with Invest529. Invest529 makes education more accessible and affordable for families and individuals. The program is administered by Commonwealth Savers Plan, which oversees education 529 saving programs with more than $110.7 billion assets under management and 3.1 million accounts as of November 30, 2024, making it the largest 529 plan in the nation. For more information on Invest529’s education savings options, visit Virginia529.com or call 1-888-567-0540 to obtain program materials.

Essential Tips for High School Students and Their Parents

Preparing for post-secondary opportunities is an exciting and sometimes overwhelming journey. For high schoolers and their support system, it’s a time filled with anticipation, decision-making and preparation. Here are some tips to help navigate this significant milestone.

Research Potential Options Early

Create a checklist to stay organized for the application process and ensure nothing is overlooked.  Research potential colleges, trade schools and apprenticeship programs; understand their application requirements and keep track of important deadlines. Utilize resources like a high school guidance counselor; college and work fairs; and online databases to gather information.

Academic Preparation

Academic performance in high school plays a vital role in college admissions. If available, Advanced Placement (AP), International Baccalaureate (IB) or dual-enrollment courses, can demonstrate readiness for college-level work and can earn college credit. For those looking at skilled-trade options, work with a high school guidance counselor to see if pre-apprenticeship or apprenticeship program opportunities are available while in high school.

Financial Planning and Scholarships

Post-secondary education can be expensive, but numerous financial aid options are available. Keep in mind, financial aid isn’t always free money, and some financial aid may be tied to academic performance. If there is a repayment plan, it is important to understand the terms and ask questions. Additionally, search for scholarships and grants offered by colleges, private organizations and local community groups. Every bit of financial aid can make a significant difference!

Don’t forget about 529 plans! It’s never too early or too late to start an account; every dollar saved is better than a dollar borrowed.

Extracurricular Activities and Leadership

Colleges look for well-rounded students who want to be involved in the campus community and may consider a student’s high school involvement in extracurricular activities. Participation in clubs, sports, volunteer work or part-time jobs can show commitment and passion in their pursuits. Be sure to highlight any leadership roles or significant achievements. These experiences can help make a college application stand out.

Campus Visits and Virtual Tours

Visiting college campuses can provide valuable insights into the environment and culture of potential schools. Schedule campus tours, attend information sessions and talk to current students and faculty. For colleges farther away, many offer virtual tours and online webinars.

Embrace the Journey

Approach this journey with an openness to exploring different options. There are many paths to success, and each person’s journey is unique.

About the Author

Iowa State Treasurer Roby Smith is the administrator of Iowa’s 529 Education Savings Programs, ISave 529 and the IAdvisor 529 Plan, with over $7 billion invested and more than $5.7 billion in qualified withdrawals.

By Michelle Winner, Director of Marketing, Maryland 529

It seems like the holidays and family traditions go hand in hand. For the past 10 years, my husband and I have spent Christmas Eve watching Elf with our two daughters, and we enjoy a family bowling match with my father the day after Christmas. I’m not sure how these activities evolved into a yearly tradition, but they are always filled with so much joy and laughter that I can’t imagine spending either day doing anything else.

Another tradition that may not sound as fun as watching a movie or playing a game is discussing our financial goals for the upcoming new year. Can we afford to take a family vacation? Are we anticipating any major expenses – replacing our roof, purchasing a new car, etc.? What is the health of our emergency fund should there be an unexpected job loss? While most of this discussion is between my husband and me, one thing we make sure we do with our daughters is to review their 529 plan account balances. We started including them in this conversation when they were in middle school and started talking about their “dream” colleges. We explained how we were saving for their future education with a 529 plan, but if the cost of the college they wanted to attend exceeded the balance in their 529 plan, they would have to take out a loan. While it was a somewhat simplistic explanation at the time, it was enough to help them understand the basic concept that you can’t spend more than what you have without consequences. When it came time for them to start applying to colleges, knowing how much money they had in their accounts helped them decide which colleges they could attend without incurring student loan debt, a burden they now see many of their friends shouldering. 

So, as you spend the holidays engaging in your favorite family traditions, consider adding one more tradition: including your children in their education savings journey. Even if high school graduation may be years ahead for your children, it’s never too early to start teaching them the basics of fiscal responsibility. Not sure where to begin? Here are some resources to help get you started:

New to college savings? This article
includes expert insights from a T. Rowe Price thought leadership director that can help you build your college savings plan strategy.

Money Confident Kids is a great resource for helping middle school and high school students learn and understand the basics of saving, spending, and investing.

The Federal Deposit Insurance Commission (FDIC), the Consumer Financial Protection Bureau (CFPB), and the National Credit Union Administration (NCUA) provide different types of free financial education materials for pre-kindergarten through college students.

Wishing you a happy and fiscally healthy New Year!

About the author:

Michelle Winner is the Director of Marketing for Maryland 529, a division of the Maryland State Treasurer’s Office that oversees the Maryland College Investment Plan, the Maryland Prepaid College Trust, and Maryland ABLE. Michelle also serves as Co-Chair of the Communications Committee for the College Savings Plans Network.

By: South Carolina State Treasurer Curtis Loftis, Administrator of Future Scholar College Savings Plan

December 17, 2024

It goes fast, doesn’t it? Just when you’re comfortable with the back-to-school routine, here come the holidays. Take a deep breath and enjoy the season – 2024 version.

But once the decorations are packed up and the wrapping paper is in the trash, I hope you’ll set aside a few moments to get ready for a very different kind of season: tax time. You’ll want to be sure to close out the year strong to be in the best situation when tax day rolls around.

Timing is everything

Taxes are usually due on April 15th of each year – unless the day falls on a weekend. However, this tax season will be different for some states. Because of the devastation of Hurricane Helene, all of Alabama, Georgia, North Carolina, and my state of South Carolina will have their taxes due on May 1, 2025. In addition, parts of Florida, Tennessee, and Virginia will have also have their taxes due on May 1, 2025.

Get motivated

Begin by estimating your federal income tax bill for the year. You can find your tax bracket and standard deduction information on the IRS website. Your federal tax estimate will motivate you to consider using a win-win strategy that can lower your state tax bill.

Save for the win

One of the best moves you can make to subtract from your state tax bill actually involves adding to your own education savings. By contributing to your 529 college savings account, you could reap the benefits of state tax incentives now. More than thirty states and the District of Columbia offer tax incentives to families who save with a 529 plan. These states allow families to deduct at least some percentage of their contributions from their taxable income. Four more states offer tax credits a family can use to offset state income taxes.

The tax savings can be significant. South Carolina allows residents to deduct 100% of the amount they contribute to Future Scholar, South Carolina’s 529 plan, on their SC state income tax return. It’s an excellent benefit for the citizens of my state. Review your plan to find out if you can benefit from tax savings, too.

Deadlines matter

Of course, there’s no deadline to contribute to your 529 account. However, if you want your contributions to qualify for tax savings for your 2024 tax returns, you’ll need to know your state’s deadline. Most states will have a deadline of December 31, 2024, to claim a deduction on your 2024 state income tax returns, but a few states, like South Carolina, allow contributions to be made until taxes are due. Be sure to consult your plan to determine the deadline for contributing funds you can claim on your 2024 return.

Be a front loader

The IRS has a special gifting feature that will allow a larger amount of money to be given at one time. Called frontloading or super funding, this feature gives your funds the ability to compound for a longer time than they would if you were making regular annual contributions.

Through frontloading, your 529 plan may be funded up to the 2024 annual exclusion of $18,000 for a single person or $36,000 for a married couple. When you front-load, you contribute a one-time gift of the amount that is usually allowed over five years – without paying gift taxes.

With frontloading, a single person can contribute $90,000 per child in one year and enjoy the benefits of compounding interest on a larger amount. The contribution will be removed from the contributor’s taxable estate and treated by the IRS as if $18,000 were given per year for five years. Of course, any contributions made beyond this amount over the five years could be subject to federal taxes. A financial professional can help you decide if front-loading could work for your family and your financial situation.

Earmark your refund

Expecting a tax refund in 2025? Decide today to use it to invest in your child’s future education. Earmark it for a lump sum contribution to boost your 529 college savings. That way, you know you’re using it for something meaningful.

Appreciate your genius

While you’re enjoying the last few days of 2024, take a minute to appreciate how wise your decision to save with a 529 account really is. You’re saving for college tax-free, and when the time comes to use those 529 funds to pay for qualified education expenses like tuition, books, computers, and room and board, you’ll be withdrawing your funds tax-free, too. Congratulations – genius move.

About the author:

Curtis Loftis is the State Treasurer of South Carolina. He also serves as the administrator of South Carolina’s Future Scholar 529 College Savings Plan. Visit treasurer.sc.gov or futurescholar.com for more information on ways to save through a 529 plan.

By Marissa Rowe, Executive Director,
Indiana Education Savings Authority

December 10, 2024

As a holiday baby (Dec. 28), I tend to pay close attention to holiday gifting. This started as early as I can remember, when my parents made sure they wrapped my birthday gift in something other than holiday paper. Laugh all you want, summer babies. The struggle is real for those of us who couldn’t have birthday parties at the park. Because it’s winter.

All bitterness aside, there are several realities for giving (and not just receiving) gifts during the holiday season. In no particular order:

  1. How do you make your gift stand out?
  2. Gifts should be personal and show that you care; and 
  3. You’re all tapped out and the budget is zero dollars.

A gift of or to a 529 education savings plan is the way to go this holiday season and will address the realities you face as a giver of the perfect gift. First, your gift will be unique and will stand out from the crowd. While more families than ever are saving in 529s, most gift-givers prefer to give a traditional gift. By gifting to a 529, you’re setting yourself apart and helping the family in a very tangible way with their education investments.

Secondly, it doesn’t get more personal or thoughtful than a 529 gift. You’re showing that you believe in the child’s dreams as well as their financial well-being. Every dollar you gift is one less they will have to borrow and pay back with interest. Reducing the need for student loans is a gift both the parents and child will appreciate.

In reality, money may be tight, and this holiday season will be all hugs, handshakes, and high-fives for gifts. That is perfectly fine. What you can do is set a reminder in your phone to make that gift contribution in the summer when funds are available…à la Christmas in July.

How do you give a gift to a 529? Simply ask the owner/parent/grandparent how their account receives gifts and follow those instructions. It’s no different than asking what the kids want for Christmas. Happy gifting!

About the author:

Marissa Rowe is executive director of the Indiana Education Savings Authority, which administers the Indiana529
savings program with more than $7.5 billion in assets under management in three plans. A proud first-generation college student, Marissa received her B.A. in Mass Communication from the University of North Carolina at Asheville and her M.A. in Philanthropic Studies from the Indiana University Lilly Family School of Philanthropy. She paid off her student loans in 2020 and has 529 plans for her nieces and granddaughter.

By David Bell, Vice President, Vestwell

December 3, 2024

In just a few weeks, we’ll be preparing to gather with friends and family to celebrate the end of another year with our various traditions – a favorite family recipe, matching pajamas, a heirloom decoration, and specially selected gifts wrapped with care. Promotions have been running since we turned off the lights on Halloween night – but what if you could wrap a gift with (almost) endless possibilities this year? A gift that could be imagined and re-imagined, a gift that could potentially be worth even more than your investment this year. What if this year, you started the tradition of supporting your loved ones’ future dreams by making a gift to their 529 account on Giving Tuesday?

When you gift to a 529 account, you provide several gifts in one:

A gift that could grow over time: Contributions of any size can add up over the years and have the potential for growth while invested. A new fun family tradition might be a family matching fund. Each family member can contribute a small amount of $25 to reach a target goal toward a new semester, tuition deadline, or more by the end of the year.

A gift of flexibility: Your loved one can choose which qualified distribution expense is best for them when they head off to school – tuition, books and supplies, room and board, and more. 529 plans can also support other aspirations like trade schools, apprenticeships, and fellowships.

A gift that wins awards: In 2023 and 2024, 529 Plans were selected as Good Housekeeping’s Best Parenting Awards.

This holiday season, consider giving a gift full of possibilities by contributing to a loved one’s 529 account – or better yet, set up recurring contributions to help them achieve their dreams. Ask your family and friends to share their 529 gifting information or see what gifting options your home state 529 program offers by visiting CSPN’s Find My State’s Plan tool.

About the Author

David Bell is Vice President at Vestwell, leading client relationships for 529 and ABLE programs. David has a long background in Financial Education and State Savings Programs.

Thanksgiving break is coming up, giving college students a chance to recharge. Whether they’re heading home, staying on campus, or traveling, it’s also a great time to get a few things done to benefit them in the long run.

5 things you can encourage your college student to do over Thanksgiving break:

  1. Catch Up on Sleep and Self-Care
    Your student needs rest after weeks of late-night study sessions and juggling responsibilities. Encourage them to use the break to get plenty of sleep, take walks, eat well, and focus on self-care. This downtime will help them recharge and finish the semester strong.
  1. Reconnect with Family and Friends
    Thanksgiving is the perfect time for your student to reconnect with loved ones. Whether sharing a meal with family or catching up with old friends, encourage them to take advantage of this break to strengthen those meaningful relationships. It’s a great reminder of the support they have.
  1. Get Ready for Finals
    With final exams approaching, this break is a good time for your student to get organized. Suggest they review syllabi, create a study plan, and gather their notes. A little prep now will help reduce stress when finals week arrives, giving them more confidence to perform their best.
  1. Review Their Finances
    Thanksgiving is a good time for your student to take stock of their finances. Whether managing spending, reviewing financial aid, or planning for upcoming expenses, this is an opportunity to develop better financial habits and set up a budget for the rest of the school year.
  1. Reflect and Set Goals for Next Semester
    Encourage your student to use the break to reflect on how the semester has gone so far. What went well, and what areas could use improvement? Setting goals for the next semester—whether boosting grades, joining new activities, or creating better routines—can help them start the spring with a clear focus.

Thanksgiving break offers a valuable chance for your college student to rest, reconnect, and get organized. While they enjoy their time at home, encouraging a balance of relaxation and productivity will help them return to campus ready to tackle the rest of the semester.

About the author:
Eric Bennett is the editor for College Countdown, a website maintained by ScholarShare 529 for families with college-bound kids. Eric has over three decades of experience in higher education managing recruitment and marketing, financial aid, and student development at three universities from Georgia to California to New York City. 

By Anita Kelley, Savings Division Director, State of Alabama Treasurer’s Office

Soon after my second child was born, I realized that I needed to start saving for both of my children’s higher education expenses. I had just graduated college myself five years prior to his birth. I was fortunate that my parents funded my education and didn’t leave me with any student loan debt to pay. Knowing how important that was for me, I knew that I wanted to do the same for both of my children. I was working at a bank and talked to one of our investment specialists who educated me on 529 accounts. I immediately opened accounts for both my daughter and son. We were a young family with very little disposable income, but I set up automatic contributions that went straight into their 529 accounts. It wasn’t much each payday, but it was a start, and I increased the contribution amount over time.

18 years went by so fast, and before I knew it, my daughter was ready for college. I knew I had not saved all that it would cost for her to attend, but I had a good amount that definitely reduced the amount I had to worry about. My son was two years behind her and had decided he did not want to attend college, but instead wanted to become a firefighter. That left me with the question of what to do with the money I had saved for him in his 529 account.

There are several options if the beneficiary of a 529 account decides to not go to college.

1. You can leave the funds in the account in case the beneficiary or another family member can use the funds at a later date to attend school.

2. You can change the beneficiary to another member of the family for their higher education expenses.

3. You can withdraw the funds as a nonqualified withdrawal. The earnings portion (not the amount you contributed) is subject to federal and state income taxes and a 10% federal penalty tax.

I opted to change the beneficiary to my daughter who was currently a junior in college. The funds I had saved for him were now helping her and further reduced my out-of-pocket expenses!

It’s also important to note that in recent years, 529 accounts have become so much more flexible regarding their usage. The types of institutions that are now eligible for funds from a 529 account include not only four-year colleges and universities, but community colleges, trade, technical and vocational schools, as well as registered apprenticeship programs. So, if your child decides not to attend a traditional four-year school, the path they do go down may still be one that their 529 account can be used for.

After my daughter finished school, I kept her account open. I am now making automatic deposits into the account again, but this time the funds will be used for my soon-to-be granddaughter who made her entrance into the world in September! After her birth, I will change the beneficiary on the account from her mother to her and the cycle will begin again. Saving for a little one’s future, no matter what that future might hold.

About the author:

Anita Kelley is the Savings Division Director for State of Alabama Treasurer’s Office. Anita has been with the State of Alabama Treasurer’s Office for ten years as Director of the Savings Division, which oversees the Alabama ABLE Savings Plan, CollegeCounts: Alabama’s 529 Plan, and PACT (Prepaid Affordable College Tuition). She has previously served as Treasurer of The College Savings Plan Network and Co-Chair of the CSPN Communications Committee. Prior to working for the Treasurer’s Office, Anita was a Banking Center Manager and Vice President at BBVA Compass for 18 years where among other things, she sold 529 accounts to clients. She graduated from Huntingdon College in Montgomery, Ala.

By Jeremy Rogers, Director, New York 529 College Savings Program

November 12, 2024

Growing up there was never any real doubt in my mind that I wanted to serve in the military after high school.  While college was always something that I figured could be an option down the road, it never really felt like a path I would go to right away. While this was mostly due to my desire to serve our country, the concern around costs to attend college was a factor. Growing up in rural Illinois, the costs of higher education always felt like too much of a hurdle for my family.

Looking back there was only one time that I really took a step back to re-think my decision to enlist in the Navy. That was when my father offered to sell our 80 acres of farmland to pay for college. The weight of that offer was immense to me as a teenager and truly made me rethink my plans. While he rented the land to a neighbor, it represented my father’s dream of someday farming his own land after years of working as a mechanic and retiring from the Army reserve. For him to be willing to give up that dream so that I could attend college right out of high school really highlighted the lengths that parents will go to provide for their children’s future, and the sacrifice he was willing to make for my future. While this offer caused significant internal reflection, I ultimately knew that serving in the military was the right decision for me.

Following my time in the service, and after giving a few different careers a try, I ultimately utilized the Post 9/11 GI Bill to attend college as a full-time student. Becoming the first person in my family to receive a bachelor’s degree felt like an incredible accomplishment, but it wasn’t without struggles. As anyone who has utilized the GI Bill knows, it offers amazing benefits and covers most of the major higher education expenses, but there are still costs that veterans or their family will have to cover. For example, the GI Bill provides $1,000 per year for books and supplies, which can be used up quickly if you are taking a full course load. Additionally, the GI Bill only provides 36 months of benefits, so while it covered all my undergraduate work, I still needed to take out student loans when I went back to school for an MBA. This is where savings in a 529 account can supplement the benefits that veterans’ or their families receive from the GI Bill.

This Veterans Day I strongly encourage my fellow veterans to explore the benefits that their service earned them, especially the GI Bill, if available to them. Visit the U.S. Department of Veterans Affairs website for more information

“As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.”
‒ President John F. Kennedy

About the Author

Jeremy Rogers is the Director of the New York 529 College Savings Program (NY 529) and previously served as a Nuclear Machinist Mate in the United States Navy. NY 529 includes the nation’s largest direct-sold program, New York’s 529 College Savings Program Direct Plan, which has over $43.7 billion in assets under management across nearly 1.1 million accounts, as of September 30, 2024. For more information visit nysaves.org or call 1-877-NYSAVES (1-877-697-2837).

By Luke Minor, Director of Washington State’s College Savings Plans (WA529)

November 5, 2024

With Halloween behind us, one would normally ditch the thrills and chills and go all in on sweater weather and copious quantities of pumpkin spice-flavored whatnots. But this November, the fright fest continues for me in light of a recent and shocking revelation…

I was at a financial empowerment conference last month focused on increasing banking access for underserved individuals and communities. It was a powerful and eye-opening event that gave me a lot to consider in how well my organization supports Washington residents in saving for future education and career readiness training. But something I learned that day continues to haunt me – when my daughter turns five in just three short months, her spending habits will become chiseled in stone for the rest of her life and there’s nothing I can do to stop it.

In the modern misinformation age, I was naturally skeptical and dug a little deeper. It turns out that this dynamic has been studied and findings suggest that children begin developing associations with money and spending habits at a very young age. And interestingly, it appears that such habits do not necessarily reflect those of their parents. So, um, yeah…my almost five-year-old, who is already gaining independence at an alarming rate, will soon be destined for a life of frivolous indulgence or miserly self-deprivation and I will have no say in the matter. As Scooby Doo’s pal Shaggy would say “Zoinks!”

Of course, I’m being alarmist and am at risk of spreading my own misinformation, so let me set the record straight. While sobering, I am treating this new point of learning as an opportunity to reexamine my own financial priorities and help my daughter develop a healthy relationship with money. And importantly, I am inspired to work harder in helping financially empower families and individuals throughout my state and across the country.

The good news is that collectively, organizations across sectors and localities already have countless resources and policy interventions to help. The challenge is how to best knit together this patchwork so we can aid as many individuals and families as possible in their journey towards building their education, financial security, and generational wealth. We discussed this at length at the conference mentioned above, and were able to tease out several actionable steps we can take:

This speaks to the immense value and impact that organizations such as our very own CSPN, ASPN, and NAST wield. For years, I have marveled at the collective power our association to share best practices, build cross-sector relationships, and advocate for positive change at the systems level. My call to action for all of us within CSPN is to build on this already strong foundation. Let’s keep up the great work, grow our villages, and not be overcome with same fear I started off this conversation with! Here are some ideas to get us going:

As that cliché and sometimes cringy motivational posters in office walls across the country persistently remind us: “Teamwork makes the dream work!”

_____________

About the Author

Luke Minor is the Director of Washington State’s College Savings Plans (WA529), which include the GET Prepaid Tuition Program and the DreamAhead College Investment Plan. Since 1998, tens of thousands of students have used more than $2 billion of their WA529 savings to attend colleges in all 50 states and at least 15 foreign countries. In his free time, Luke enjoys getting outside to hike, ride bikes, and even splash in a puddle or two with his wife, rambunctious four-year-old, and young-at-heart dog.