Both PA 529 Plans Allow You to:

  • Use your savings for a variety of education expenses at many colleges and universities, as well as career, vocational, technical schools, and certain apprenticeship programs. To search for eligible schools, go to
  • Save toward postsecondary tuition, room and board, books and more, as well as K-12 tuition.
  • Change the beneficiary if the child doesn't pursue education. You can update the beneficiary to certain members of the beneficiary's family or use your account to repay the principal and interest on a qualified education loan for a PA 529 beneficiary or sibling.
  • Enroll today with no minimum deposit.

Compare Plans

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Guaranteed Savings Plan (GSP)

Save for tomorrow's education at today's rates.

  • The account owner or beneficiary must be a Pennsylvania resident.
  • You make contributions based on the type of school or tution level you want to save toward. PA Treasury manages the investments of the GSP fund.
  • Your savings grows based on the rising cost of college tuition. If you save enough for a state school semester today, you'll have enough to cover a semester at that type of school in the future - no matter how much tuition goes up.
  • You can get your money back any time, for any reason. When not used for qualified expenses, you'll get back at least what you put in minus any fees.*
  • More about the GSP
Open a GSP Account
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Investment Plan (IP)

Customize your investment options to achieve your savings goals.

  • No Pennsylvania residency requirements.
  • Chose your investment options from Vanguard ranging from conservative to aggressive, plus target enrollment date portfolios.
  • Returns on your contributions are based on performance of your investment options, and could be more or less than you originally invested.
  • Get your money back any time, for any reason. When not used for qualified expenses, you'll get your current account value, which may be more or less than your original contributions.*
  • More about the IP
Open an IP Account
*The earnings portion of a withdrawal not used to pay for qualified expenses may be subject to federal income tax and a 10% federal penalty tax; the entire withdrawal may be subject to state and local income taxes.
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Keystone Scholars

Get $100 toward your baby's future postsecondary education expenses through Keystone Scholars.

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Savings Calculator

Use our savings calculator to estimate their future education costs.

Compare Alternatives

The PA 529 College and Career Savings Program offers many advantages over other education funding options.

PA 529 vs. Student Loans

Any amount you can save and invest ahead of time is better (and less expensive) than borrowing.

PA 529 vs. Savings Accounts

When compared to traditional savings, PA 529 plans offer potential for greater growth through tax benefits and investments.

Other 529 Plans

If you're a PA resident, PA 529 plans provide special tax benefits and exemption from PA's inheritance tax. You can even send your state tax refunds directly to your PA 529 account.