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The NC 529 Plan
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Saving for College in NC 529 Plan

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Tax benefits
Account earnings are free from federal and NC income taxes when used for qualified higher education expenses.
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Low cost
Our fees are very low and allow you to keep your money in North Carolina.
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Multiple investments
Select from a variety of investment options that cover a range of strategies, from conservative to aggressive.
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Easy set-up
Create an NC 529 Account in minutes. You can set up automatic contributions or contribute when it fits your budget.
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Benefit of saving regularly
Putting away whatever amount you can on a regular basis adds up. Use simple calculator for a quick look at how money grows over time and test other scenarios with savings planner.
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See our contact information and frequently asked questions for answers.
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NC 529 Contributions - A Meaningful Gift

What better gift for birthday, graduation, holiday or other special occasion than making a Contribution to an existing NC 529 Account or opening a new one for someone aspiring to college? It's a gift that won't be outgrown or broken.

Watch the video above to hear from parents why it's important to save for college and how Contributions from family and friends can help make your Beneficiary's future brighter.

Make a Gift

Anyone can contribute to your NC 529 Account and the Contribution minimum is just $25. Direct your family and friends to more information and special occasion gift cards. "Give a Gift"

Gift Tax Information
The federal annual tax exclusion for gifts is currently $14,000 per year. Learn more

Contributions to an NC 529 Account are considered completed gifts; however, if the total gift you or another contributor make this year in combination with other gifts to the Beneficiary is less than $14,000, no federal tax will be imposed.

If interested in and able to make the maximum $14,000 allowable annual gifts (or $28,000 for a married Participant or other contributor whose spouse agrees to split gifting), the giver may want to consider another option too. It is possible to choose to file a federal gift tax return and elect to treat Contributions of up to $70,000 (or $140,000 if splitting) as being made ratably over a five-year period, starting with the tax year in which made.

For more detail on the five-year Contribution option, see page 22 of the NC 529 Program Description under the section "Federal Gift, Estate and Generation-Skipping Transfer" or talk to your financial or tax advisor.

A Great Gift

Spread the word what a great and enduring gift a Contribution to an NC 529 Account can be!