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Investment Plans allow you to save at your own pace and are not guaranteed. Prepaid Plans lock in the cost of college with a fixed price and guarantee that you will not lose your investment. Both plan types work great together to cover a wide range of college expenses.

Anyone 18 years of age or older (who is a U.S. citizen or legal U.S. resident with a valid Social Security number) can purchase a Prepaid Plan (parent, grandparent, aunt, etc.) or enroll in an Investment Plan, however the child or his/her parent or legal guardian must have been a Florida resident for the past 12 months. Proof of residency will be required during enrollment.

Prepaid Plans can be used at in-state, out-of-state, public or private schools around the country – or even the world. The value we pay to other schools is the same as we would pay to a Florida public school.

Your Plan travels too! It will pay the same amount as it would pay at a public college or university in Florida. Plus, if your child returns to a Florida school, the Plan qualifies them for in-state tuition.

Prepaid Plans can be transferred to another family member, or you can get a refund for what you paid for your plan.

The Plan locks in coverage for a full 10 years AFTER your child’s projected high school graduation.

Prepaid Plans work great alongside scholarships, including Florida Bright Futures, to cover even more college expenses. Alternatively, you can hold the Prepaid Plan and save it for graduate school, or request a scholarship refund for what we would have paid out on your plan. You can even transfer Prepaid Plans to another family member.

You can cancel the plan and withdraw the remaining balance, or the plan can be transferred to another family member (including the parent!). There is no expiration on when the funds must be used.

You may also choose to transfer (roll over) remaining Investment 529 Plan funds to a beneficiary’s Roth IRA (Individual Retirement Account). The lifetime maximum a parent can transfer is $35,000 per beneficiary, and the account must have been open for 15 years (with rollover funds in the account for at least 5 years). Any rollover is also subject to current Roth IRA contribution limits.

Your plan travels with you and can be used at most colleges, universities, technical and trade schools nationwide.

Tuition and fees, housing, meal plans, books and supplies, as well as computers and equipment.