Plans change. Your savings should, too.

As kids grow up, their dreams can change. The child who wanted to be a veterinarian at age five, may end up in trade school later on. Either way, her MOST 529 account will be there, because it covers a lot more than tuition at a lot more places than just colleges.

A MOST 529 account can help with:

  • Tuition, room & board, books, fees, computers, and more at eligible 2- and 4-year public and private colleges and universities worldwide
  • Trade and vocational school and registered apprenticeships worldwide1
  • Graduate school worldwide
  • Student loan repayment2
  • Continuing education and career retraining
  • K-12 public, private, and religious institutions tuition3

Things happen along the way.

What if your child:

Decides not to attend college or vocational school? Gets a scholarship and doesn’t need the money? Opts to take a gap year or two (or three)? Then you can:

  • Take the cash. You’ll pay taxes on just the EARNINGS, plus a 10% federal tax penalty. In fact, if your child gets a scholarship, you can withdraw up to the scholarship amount with no penalty at all!
  • Transfer the money to a member of the family.
  • Hold on to it. If your child isn’t college-bound today, they may change their mind down the road.
  • Pay off a student loan2. Remember, you can be a beneficiary, too.