Explore Our Prepaid Plans

The Florida Prepaid College Plan is the largest prepaid college program in the nation. Over 1 million families have saved with us. Why is it so popular?

  • Simple – Just pick the plan that’s right for your family’s budget and savings goals.
  • Affordable – Monthly payment options start at just $47/month.
  • Guaranteed – Every Prepaid Plan is guaranteed by the State of Florida, so you’ll never lose your investment.

With a Prepaid Plan, you don’t have to worry about how much college costs go up in the future – or the ups and downs of the stock market. That’s on us to manage, which leaves you with peace of mind.

You can start your application at any time. Actual plan pricing will be announced at the start of the next Open Enrollment period.

For answers to common questions, scroll down or check out our FAQs.

See Your Plan Costs Prepaid Plan Comparison Chart

    When you consider the quality of the Florida colleges and universities, and the corresponding graduation rates, Florida Prepaid Plans are the most cost effective plans in the country by a large margin. Also, the plan value can be applied to schools nationwide.


    Sean Moore, Florida Prepaid Plan Account Owner
    Certified Financial Planner, SMART College Funding


The Difference Between Colleges and Universities

 

Florida Colleges

There are 28 Florida Colleges statewide. Most offer two-year associate’s and four-year bachelor’s degree programs in growth industries. They offer an affordable and accessible path to a chosen career, diverse course offerings, convenient locations and tremendous flexibility at a lower cost than universities.

State Universities

There are 12 State Universities in Florida. They offer a broad range of undergraduate and graduate degrees in a dynamic atmosphere, providing the traditional “college experience” that many picture in their minds. U.S. News and World Report has named Florida the “Best State for Higher Education.”

 


Learn About Our Prepaid Plans

Prepaid Plans cover tuition and most fees for the credit hours listed below at Florida Colleges and Universities. If the school your child ends up attending does not match the type of plan that you choose, please know that the value of your plan can be applied to any Florida College or State University and also to most schools nationwide.

     
 

What does this plan cover?

What are the benefits of this plan?

2-Year Florida College Plan

Covers tuition and most fees for the 60 credit hours generally required for an associate's (AA) degree or trade certification.

Practical and affordable. An AA degree from a Florida College guarantees admission to one of Florida's 12 State Universities. If you want, you can add up to two 1-Year Florida University Plans later.

4-Year Florida College Plan

Covers tuition and most fees for the 120 credit hours generally required for a bachelor's degree at a Florida College.

Ability to get a bachelor’s degree for less. Most Florida Colleges offer bachelor's degree programs in high-demand fields, such as nursing, technology, and business administration.

2 + 2 Florida Plan

Covers tuition and most fees for the 60 credit hours generally required for an associate’s (AA) degree at a Florida College AND the remaining 60 credit hours generally required for a bachelor’s degree at a State University.

Save money on lower-level courses while graduating and receiving a bachelor’s degree from one of Florida’s State Universities. The best of both worlds!

1-Year Florida University Plan

Covers tuition and most fees for 30 of the credit hours generally required for a bachelor’s degree at a State University.

Our most affordable Prepaid Plan allows you to purchase one year of State University at a time as your budget and timeline allow, up to a maximum of four years. Other family members can purchase plans and share in the saving, too.

4-Year Florida University Plan

Covers tuition and most fees for the 120 credit hours generally required for a bachelor's degree at a State University.

This is the classic collegiate experience and our most popular plan.

University Dormitory Plan

1 year of University dormitory.

Covers another college expense — housing. Available in 1-year increments (2 semesters) for a standard, double-occupancy dormitory room at any of Florida's 12 State Universities.

     

 

Let's find out how much your Prepaid Plan may cost.

Actual plan pricing will be announced at the start of the next Open Enrollment period.

 Use the +/- options to adjust accordingly.
We project that your child will graduate in .
Now find the plan that best fits your family.
YOUR 2017/18 PLAN PRICES WERE:
Based on child’s age/grade on or before September 1, 2018. Birthdate must be today or earlier. Sample pricing based on 2017-2018 plan price.

 

If you have questions, we have the answers!

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Can the plans be used at schools other than Florida public institutions?

While Prepaid Plans are designed to be used at a Florida College or State University, the plans can also be applied at other schools nationwide. Public, private, in-state or out-of-state, we would pay what we’d pay a Florida school.

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If my child gets a scholarship or doesn’t attend college, will I lose my investment?

Absolutely not. First of all, every Florida Prepaid College Plan is fully guaranteed by the State of Florida, so you can never lose what you’ve paid in. Secondly, you can transfer your plan to another eligible family member or cancel your plan for a full refund of what you’ve paid in. If your child receives a scholarship, you can get a refund for the same amount as the plan would pay a public college or university in Florida.

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If I move out of Florida, will I lose my plan?

Florida residency is required to get a Prepaid Plan, but it isn’t required to keep one. If you or your child move out of state at some point, no problem — your plan will continue as if you never left the Sunshine State. If your child attends a Florida College or State University, they will be considered an in-state student.

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How long do I have to use my Prepaid Plan?

Don’t worry. You won’t feel like the clock is ticking when it comes time for your child to use their plan. They have up to 10 years from the projected enrollment year selected on the application to use their Prepaid Plan.

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How can a Prepaid Plan and a Savings Plan work together?

Prepaid Plans and Savings Plans work well together. For example, you could use a Prepaid Plan to cover up to four years of tuition and fees and a Savings Plan to pay for books, a computer, room, and board. If you don’t want to use a Prepaid Plan to save for all four years of tuition and fees, you could purchase a 2-Year Florida College Plan or one or more 1-Year University Plans and also open a Savings Plan.

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When can I open a Florida Prepaid Plan?

You may enroll any time. We announce new pricing at the start of the annual Open Enrollment period. If you enroll outside of the Open Enrollment period, you will receive the pricing information for your plan when the next Open Enrollment period begins. Our prices may change from year to year. If you sign up before Open Enrollment and you are not satisfied with your plan price when Open Enrollment begins, let us know. We’ll help you select another plan or payment option to meet your goals and your budget.