College Savings Plans By: Vanessa McHooley College Savings Plans So you have just carried your newborn into the house for the first time, placed him or her down into the freshly-purchased crib that you just obtained, and watched him or her drift into their first sleep under your roof. Now it’s time to head downstairs by the fire, cuddle up with your spouse, and start discussing college plans for this new little tyke. Wait, college plans? That’s right. It is never too early to start planning the future out for your child, especially with the way that college tuition is elevating to new heights with every passing year. Before you start planning though, it is important to know your options as new parents to a potential college student (even if he or she is just a few days old!). Start A College Savings Plan Through Your Bank Your first option when learning about college savings plans for your child may be to contact your local bank and discuss the possibilities of opening up a special college savers’ fund for your child. Not all banks have them readily available for customers, but check with yours to see if this is an option. If not, you will then have to contact specific companies that deal with college savings plans, such as the Section 529 state college savings plans. Such a plan enables you, as new parents, to start stashing money away now, so that junior can attend your state college once he or she is of age to do so. Planning For Your Child’s Future It is not important that you rush into a college savings plan, but rather, that you find a plan that works for you over time! Many college savings plans are available for new parents through a variety of companies that can be found through either a financial advisor or through searches on the internet. Take all things into account. Will your child want a public or private education? Will your child attend school in-state or out-of-state? Obviously, these answers will only be hypothetical for now (he/she is just a few days old, remember!), but just enter the entire process with an open mind. You have 18 years to save for college – but you can start too early! This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we're dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about College Savings Plans at http://www.NextStudent.com.

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