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The NC 529 Plan
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Saving for College in NC 529 Plan        Fact or Fiction?

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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There are some "myths" out there. Get the facts!

1 If my Beneficiary doesn't go to college, I'll lose all the money in my 529 Account.
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You have two choices to keep your money available for college: (1) Designate a new Beneficiary on the Account or (2) make a transfer or rollover to a new Account for another Beneficiary.

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2 Only the current Account owner can contribute to a 529 plan.
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While you're the sole owner of your 529 Account, anyone (family, friends, or others who want to help with your Beneficiary's college future) can contribute to it.

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3 All 529 plans are the same.
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Think all 529 plans are the same? Look more closely. Yes, they all offer federal (and often state) tax-free earnings, but there are other differences to consider.

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4 Savings in a 529 hurt chances for financial aid.
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When it comes to financial aid, assets you or the beneficiary own (not just 529 plan assets) can affect eligibility for need-based financial aid. Eligibility determination for need-based aid starts when the student completes the Free Application for Federal Student Aid (FAFSA), the federal form required for all federal and most state-based aid.

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