Make College Possible - Pennsylvania's 529 College Savings Program


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Many financial experts agree that 529 college savings plans are the best way for most families to save for college. Administered by the Pennsylvania Treasury, the Pennsylvania 529 College Savings Program offers two plans: the PA 529 Guaranteed Savings Plan and the PA 529 Investment Plan.

The primary difference between the two Plans is how the funds are invested and returns are earned. In the Pennsylvania 529 Investment Plan, returns are based on performance of the financial markets; growth of the Pennsylvania 529 Guaranteed Savings Plan is tied to the rate of college tuition inflation. Both plans feature tax-deferred growth on earnings and tax-free withdrawals when funds are used for qualified educational expenses.

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 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.