Learn
College savings strategies look different for everyone. Explore our resources to learn how to make the most of your Plan's benefits and to build a strategy that works best for you.
How to Make Smart College Loan Decisions and Evaluate Loan Forgiveness Options
An important step in college preparation is researching the types of student loans and their repayment terms.
Expert insights from T. Rowe Price thought leadership director Roger Young recommend that families limit their education debt to federal direct student loans, which can help limit debt accumulated in college and give the flexibility of income-driven repayment plans after college.
Learn MoreWhether your child chooses to attend a college, trade school, or an apprenticeship in Maryland or out-ofstate, your account is flexible to fit their needs.
Plan
One important part of building your saving strategy is creating a plan that fits your budget. Use these tools to determine your monthly savings goals and maximize your tax benefits, paving the way for a bright future.
How 529 Plans Can Unlock a Range of Education Opportunities
Though 529 accounts are perhaps most well-known for helping to cover expenses associated with a traditional four‑year undergraduate degree program, shifts in the educational landscape have led to a broadened range of qualified uses for 529 funds.
Lindsay Theodore, T. Rowe Price thought leadership director, shares several ways a 529 plan can be utilized before college, in lieu of college, during and after (or in conjunction with) college, and in adulthood—as well as options for making the most of remaining 529 funds down the road.
Learn MoreCheck on Your Progress
Our College Financing Planner will help you explore future college expenses so you can check your progress on how much you need to continue to save to stay on track to meet your savings goal.
College Financing PlannerPrepare to Use Your Plan
Now is the time to familiarize yourself with how to use your savings to pay for college or other qualified education programs and expenses.
How to Take an Investment Plan DistributionQualified Uses
Save
You're getting closer to the finish line of your savings journey. Make sure to utilize the time you have left by automating your savings and inviting your loved ones to contribute through gifting.
Investors in Your Child’s Future
If you haven’t yet set up your gifting profile to involve your family and friends as investors in your child’s future education, you still have time. You can invite loved ones to contribute to your child’s account for celebrations—such as high school graduation, holidays, and birthdays—with Ugift®.1
Keep Saving Through Your Plan Benefits
As an account owner and a Maryland taxpayer, you can subtract up to $2,500 per beneficiary from your Maryland State income for contributions that calendar year. Contributions in excess of $2,500 per beneficiary can be subtracted for up to the next 10 years.
You could be eligible for a $250 or $500 State contribution through the Save4College State Contribution Program. The application period is open from January 1 to May 31.2
Setting up recurring contributions today may help you bridge a possible gap in your savings in the final years before you need to start using your funds.
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1 Ugift® is a registered service mark of Ascensus Broker Dealer Services, LLC.
2 If you received a Save4College State contribution in a given tax year, you are not eligible to receive Maryland State income subtraction modifications for contributions to any Maryland Senator Edward J. Kasemeyer College Investment Plan account made in that same year. Additionally, your application will NOT be automatically updated when you request a beneficiary change or distribution after submitting an application. If you request a beneficiary change or distribution and wish to change the account that will receive the State contribution, please contact us at 1-888-4MD-GRAD (463-4723), Option 1.
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