5-Cap Ratings

Updated as of September 9, 2021 based on data as of June 30, 2021

To view the ratings breakdown by category, click on the plan name.

We assign a rating to each state-sponsored program ranging from one cap (least attractive) to five caps (most attractive). The 5-Cap Rating represents our opinion of the overall usefulness of a state's 529 plan based on many considerations.

The 5-Cap Rating is not strictly a measure of historical returns and it is not a predictor of future investment performance, level of investment risk, or financial solvency of the program funds. For more information on the criteria used in assigning a 5-Cap Rating, click here

Alabama

CollegeCounts 529 Fund

(Resident Rating)

(Non-Resident Rating)

CollegeCounts 529 Fund Advisor Plan

(Resident Rating)

(Non-Resident Rating)

Alaska

Alaska 529

(Resident Rating)

(Non-Resident Rating)

T. Rowe Price College Savings Plan

(Resident Rating)

(Non-Resident Rating)

John Hancock Freedom 529

(Resident Rating)

(Non-Resident Rating)

Arizona

AZ529, Arizona’s Education Savings Plan

(Resident Rating)

(Non-Resident Rating)

AZ529, Arizona’s Education Savings Plan - Bank Plan

(Resident Rating)

(Non-Resident Rating)

Ivy InvestEd 529 Plan

(Resident Rating)

(Non-Resident Rating)

Arkansas

GIFT College Investing Plan

(Resident Rating)

(Non-Resident Rating)

iShares 529 Plan

(Resident Rating)

(Non-Resident Rating)

California

ScholarShare 529

(Resident Rating)

(Non-Resident Rating)

Colorado

Direct Portfolio College Savings Plan

(Resident Rating)

(Non-Resident Rating)

Stable Value Plus College Savings Program

(Resident Rating)

(Non-Resident Rating)

Scholars Choice Education Savings Plan

(Resident Rating)

(Non-Resident Rating)

Smart Choice College Savings Plan

(Resident Rating)

(Non-Resident Rating)

Connecticut

Connecticut Higher Education Trust (CHET)

(Resident Rating)

(Non-Resident Rating)

CHET Advisor 529 College Savings Program

(Resident Rating)

(Non-Resident Rating)

Delaware

DE529 Education Savings Plan

(Resident Rating)

(Non-Resident Rating)

District of Columbia

DC College Savings Plan

(Resident Rating)

(Non-Resident Rating)

Florida

Florida 529 Savings Plan

(Resident Rating)

(Non-Resident Rating)

Stanley G. Tate Florida Prepaid College Plan

(Resident Rating)

(Non-Resident Rating)

Georgia

Path2College 529 Plan

(Resident Rating)

(Non-Resident Rating)

Hawaii

Hawaii's College Savings Program

(Resident Rating)

(Non-Resident Rating)

Idaho

Idaho College Savings Program (IDeal)

(Resident Rating)

(Non-Resident Rating)

Illinois

Bright Start Direct-Sold College Savings Program

(Resident Rating)

(Non-Resident Rating)

College Illinois! 529 Prepaid Tuition Program

(Resident Rating)

(Non-Resident Rating)

Bright Directions Advisor-Guided 529 College Savings Program

(Resident Rating)

(Non-Resident Rating)

Indiana

CollegeChoice CD 529 Savings Plan

(Resident Rating)

(Non-Resident Rating)

CollegeChoice Advisor 529 Savings Plan

(Resident Rating)

(Non-Resident Rating)

CollegeChoice 529 Direct Savings Plan

(Resident Rating)

(Non-Resident Rating)

Iowa

College Savings Iowa

(Resident Rating)

(Non-Resident Rating)

IAdvisor 529 Plan

(Resident Rating)

(Non-Resident Rating)

Kansas

Learning Quest 529 Education Savings Program (Direct-sold)

(Resident Rating)

(Non-Resident Rating)

Learning Quest Advisor

(Resident Rating)

(Non-Resident Rating)

Schwab 529 College Savings Plan

(Resident Rating)

(Non-Resident Rating)

Kentucky

KY Saves 529

(Resident Rating)

(Non-Resident Rating)

Louisiana

START Saving Program

(Resident Rating)

(Non-Resident Rating)

Maine

NextGen 529 -- Client Direct Series

(Resident Rating)

(Non-Resident Rating)

NextGen 529 -- Client Select Series

(Resident Rating)

(Non-Resident Rating)

Maryland

Maryland 529 -- Maryland Senator Edward J. Kasemeyer Prepaid College Trust

(Resident Rating)

(Non-Resident Rating)

Maryland 529 -- Maryland Senator Edward J. Kasemeyer College Investment Plan

(Resident Rating)

(Non-Resident Rating)

Massachusetts

U.Fund College Investing Plan

(Resident Rating)

(Non-Resident Rating)

U.Plan

(Resident Rating)

(Non-Resident Rating)

Michigan

Michigan Education Trust

(Resident Rating)

(Non-Resident Rating)

Michigan Education Savings Program (MESP)

(Resident Rating)

(Non-Resident Rating)

MI 529 Advisor Plan

(Resident Rating)

(Non-Resident Rating)

Minnesota

Minnesota College Savings Plan

(Resident Rating)

(Non-Resident Rating)

Mississippi

Mississippi Prepaid Affordable College Tuition (MPACT) Program

(Resident Rating)

(Non-Resident Rating)

Mississippi Affordable College Savings (MACS) Program

(Resident Rating)

(Non-Resident Rating)

Missouri

MOST - Missouri's 529 Education Plan (Direct-sold)

(Resident Rating)

(Non-Resident Rating)

Montana

Achieve Montana

(Resident Rating)

(Non-Resident Rating)

Nebraska

Nebraska Education Savings Trust -- Direct College Savings Plan

(Resident Rating)

(Non-Resident Rating)

Bloomwell 529 Education Savings Plan

(Resident Rating)

(Non-Resident Rating)

State Farm 529 Savings Plan

(Resident Rating)

(Non-Resident Rating)

Nebraska Education Savings Trust -- Advisor College Savings Plan

(Resident Rating)

(Non-Resident Rating)

Nevada

SSGA Upromise 529 Plan

(Resident Rating)

(Non-Resident Rating)

The Vanguard 529 College Savings Plan

(Resident Rating)

(Non-Resident Rating)

Nevada Prepaid Tuition Program

(Resident Rating)

(Non-Resident Rating)

USAA 529 College Savings Plan

(Resident Rating)

(Non-Resident Rating)

Putnam 529 for America

(Resident Rating)

(Non-Resident Rating)

Wealthfront 529 College Savings Plan

(Resident Rating)

(Non-Resident Rating)

New Hampshire

UNIQUE College Investing Plan

(Resident Rating)

(Non-Resident Rating)

Fidelity Advisor 529 Plan

(Resident Rating)

(Non-Resident Rating)

New Jersey

NJBEST 529 College Savings Plan

(Resident Rating)

(Non-Resident Rating)

Franklin Templeton 529 College Savings Plan

(Resident Rating)

(Non-Resident Rating)

New Mexico

Scholar's Edge

(Resident Rating)

(Non-Resident Rating)

The Education Plan's College Savings Program

(Resident Rating)

(Non-Resident Rating)

New York

New York's 529 College Savings Program -- Direct Plan

(Resident Rating)

(Non-Resident Rating)

New York's 529 Advisor-Guided College Savings Plan

(Resident Rating)

(Non-Resident Rating)

North Carolina

NC 529 Plan

(Resident Rating)

(Non-Resident Rating)

North Dakota

College SAVE (Direct)

(Resident Rating)

(Non-Resident Rating)

College SAVE (Advisor)

(Resident Rating)

(Non-Resident Rating)

Ohio

Ohio's 529 Plan, CollegeAdvantage

(Resident Rating)

(Non-Resident Rating)

BlackRock CollegeAdvantage Advisor 529 Savings Plan

(Resident Rating)

(Non-Resident Rating)

Oklahoma

Oklahoma College Savings Plan

(Resident Rating)

(Non-Resident Rating)

Oklahoma Dream 529 Plan

(Resident Rating)

(Non-Resident Rating)

Oregon

Oregon College Savings Plan

(Resident Rating)

(Non-Resident Rating)

MFS 529 Savings Plan

(Resident Rating)

(Non-Resident Rating)

Other

Private College 529 Plan

(Resident Rating)

(Non-Resident Rating)

Pennsylvania

Pennsylvania 529 Guaranteed Savings Plan

(Resident Rating)

(Non-Resident Rating)

Pennsylvania 529 Investment Plan

(Resident Rating)

(Non-Resident Rating)

Rhode Island

CollegeBound Saver (Direct-sold)

(Resident Rating)

(Non-Resident Rating)

CollegeBound 529 (Advisor-sold)

(Resident Rating)

(Non-Resident Rating)

South Carolina

Future Scholar 529 College Savings Plan (Direct-sold)

(Resident Rating)

(Non-Resident Rating)

Future Scholar 529 College Savings Plan (Advisor-sold)

(Resident Rating)

(Non-Resident Rating)

South Dakota

CollegeAccess 529 (Direct-sold)

(Resident Rating)

(Non-Resident Rating)

CollegeAccess 529 (Advisor-sold)

(Resident Rating)

(Non-Resident Rating)

Tennessee

TNStars College Savings 529 Program

(Resident Rating)

(Non-Resident Rating)

Texas

Texas College Savings Plan

(Resident Rating)

(Non-Resident Rating)

Texas Tuition Promise Fund

(Resident Rating)

(Non-Resident Rating)

LoneStar 529 Plan

(Resident Rating)

(Non-Resident Rating)

Utah

my529

(Resident Rating)

(Non-Resident Rating)

Vermont

Vermont Higher Education Investment Plan

(Resident Rating)

(Non-Resident Rating)

Virginia

Invest529

(Resident Rating)

(Non-Resident Rating)

CollegeAmerica

(Resident Rating)

(Non-Resident Rating)

Washington

Guaranteed Education Tuition (GET)

(Resident Rating)

(Non-Resident Rating)

DreamAhead College Investment Plan

(Resident Rating)

(Non-Resident Rating)

West Virginia

SMART529 Prepaid Tuition Plan

(Resident Rating)

(Non-Resident Rating)

SMART529 WV Direct College Savings Plan

(Resident Rating)

(Non-Resident Rating)

The Hartford SMART529

(Resident Rating)

(Non-Resident Rating)

SMART529 Select

(Resident Rating)

(Non-Resident Rating)

Wisconsin

Edvest

(Resident Rating)

(Non-Resident Rating)

Tomorrow's Scholar 529 Plan

(Resident Rating)

(Non-Resident Rating)