PA529 College Savings Program - Believe in them. Invest in them.


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Additional ways to save

Looking for other ways to boost your level of college savings? Pennsylvania Treasury has partnered with nationally recognized, innovative college savings organizations to help families set more money aside for education. You can easily link these programs to your Pennsylvania 529 college savings plan accounts to save even more money for college.

Earn additional savings for college with Upromise®
Upromise is a free, online service designed to help families save and pay for college. Through Upromise, hundreds of America’s leading companies help you save by giving you back a percentage of the qualified dollars you spend with them.

When you sign up for Upromise, and buy goods and services at more than 23,000 grocery stores and drug stores and 14,000 gas stations nationwide, a percentage of the dollar value of your purchases can be directed to your Upromise account. Members also can get additional savings for college by dining at more than 8,000 participating restaurants and shopping online at more than 400 participating stores.
You easily can link your Upromise account with your PA 529 College Savings Account account and have your Upromise savings automatically transferred. But what makes Upromise powerful is that you can invite grandparents, aunts, uncles, and family friends to join Upromise. A portion of their qualified spending can be deposited into your Upromise account.
It’s easy to enroll in Upromise online.*

Let friends and family give the gift that lasts a lifetime – education
Pennsylvania offers an easy and safe way for friends and family to help you reach your college savings goal.

Ugift is an innovative way to invite family and friends to celebrate a child’s milestones with the gift of college savings in lieu of traditional gifts. This easy-to-use service lets the special people in your life make gift contributions to your PA 529 College Savings Program Account.

Once you become a PA 529 College Savings Account owner, participation in Ugift is just a click away. Log in to your PA 529 College Savings Account and click on the Ugift logo. You will be taken to the Ugift screen, where you will be given step-by-step instructions. Contributions made via Ugift are invested into the beneficiary’s GSP account to be used for college and college-related expenses.

And, contributions can be deducted by the gift giver on Pennsylvania’s state income tax returns. Consult your tax advisor for information.

Earn tuition discounts with SAGE Scholars’ Tuition Rewards
Like “frequent flyer miles” for college tuition, the SAGE Scholars’ Tuition Rewards is a free scholarship program available to families who use the PA 529 College Savings Program to save for college. Based on the value of your GSP account, you earn Tuition Rewards Points that can reduce undergraduate-level tuition at over 280 participating private colleges and universities, including almost 50 in Pennsylvania.

Here’s how Tuition Rewards works:

Each quarter, you earn Tuition Rewards equal to 2.5% of the value of your PA 529 College Savings Program account - adding up to approximately 10% per year. For example, if you have $10,000 saved, then at the end of the year, assuming no change in asset value, you will have earned approximately 1000 in Tuition Rewards Points. Each point is worth $1.00 in scholarships at SAGE member schools.**
If your child attends a SAGE member schools, your accumulated Tuition Rewards Points tuition discounts can be used at that school.
Maximum discounts that will be honored vary by school, from $8,500 to $42,420 for students starting in fall 2011, and must be spread evenly over four years of attendance.
By enrolling in the program, you give SAGE member school permission to recruit your child as a potential student.

Generally, students must be enrolled in the SAGE Tuition Rewards program no later than the start of their junior year of high school, and Tuition Rewards Points stop accumulating prior to the students’ senior year or age 17 (whichever is sooner).
Tuition Rewards costs you nothing to join, and Rewards Points can add up quickly - just by making contributions to the PA 529 College Savings Program. It’s easy to get started. Just sign up at the time you enroll by checking the SAGE Rewards program box on the PA 529 College Savings Program. To track your SAGE Rewards, or to get more information, visit and register at www.tuitionrewards.com. You’ll receive a 500-point bonus for each child enrolled through the PA 529 College Savings Program and one 500-point bonus when you register online.**

* Please note that the Upromise program is an optional service offered by Upromise, Inc., and is separate from the PA 529 College Savings Program. Specific terms and conditions apply. Participating companies, contribution levels, terms, and conditions are subject to change without notice.

** Please note that SAGE Scholars’ Tuition Rewards is an optional service offered by SAGE Scholars’ Tuition Rewards and is separate from the PA 529 College Savings Program. Separate terms and conditions apply. Contact SAGE Scholars’ Tuition Rewards at support@SAGEscholars.com for more information.

The guarantee is that, when used for qualified higher education expenses, your contributions will grow at the rate of tuition inflation at a Tuition Level that you choose. If the applicable GSP Credit Rate at the time a contribution is made has a premium, however, your rate of growth will be lower than the actual rate of tuition inflation at your Tuition Level by approximately the rate of the premium. Premiums do not, however, alter the way in which the dollar value of your account is determined. When used for qualified higher education expenses, each GSP Credit will still have the full value of the actual per credit tuition cost. The guarantee is an obligation of the Pennsylvania GSP Fund only. The guarantee is not backed by the full faith and credit of the Commonwealth of Pennsylvania, and is not an obligation of the Commonwealth of Pennsylvania, the Pennsylvania Treasury Department, Upromise Investments, Inc., Upromise Investment Advisors, LLC, or any other party. The GSP is not insured by the Federal Deposit Insurance Corporation or any other government agency.

For more information about the Pennsylvania College Savings Program—529 Investment Plan, download a Disclosure Statement or request one by calling 1-800-440-4000. Investment objectives, risks, charges, expenses, and other important information are included in the Disclosure Statement; read and consider it carefully before investing. The Pennsylvania Treasury Department serves as Distributor and Underwriter. If you are not a Pennsylvania taxpayer, consider before investing whether your or the designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state’s qualified tuition program.