Kentucky Education Savings Plan Trust

Calculate Your Savings Need

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Start your college savings plan today with the Kentucky Education Savings Plan Trust!

How much do I need to save?
Calculate how well your savings are keeping up, and what adjustments you need to make to help reach the goal.

What are the benefits of tax-deferred earnings growth?
Calculate potential investment growth in a hypothetical 529 college savings account versus a hypothetical investment in a taxable account.

How much does college cost today?
National Center for Education Statistics (NCES) provides current tuition and expense data (room and board, books and supplies, and other expenses) for nearly 7,000 colleges and universities in the United States. You can also use this site to check if a school qualifies as an eligible educational institution and is Title IV participating.

How do I choose the right college?
The Princeton Review's Counselor-O-Matic search engine combines academic and extracurricular history with personal preferences to help you find the college that's right for your child.


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WE'RE HERE TO HELP

You'll find more information on planning and starting early in our Parent Resources section.

Check out our FAQ and read the KESPT Disclosure Booklet and Participation Agreements (PDF, 476KB), or call us
toll-free at:

1-877-KY TRUST (1-877-598-7878)

We're available Monday through Friday, 8:00 am - 8:00 pm Eastern Time.

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The tax information contained on the Kentucky Education Savings Plan Trust (the Plan) Web site is not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. It was written to support the promotion of the products and services addressed in the Web site. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor.

The Plan is administered by the Kentucky Higher Education Assistance Authority. TIAA-CREF Tuition Financing, Inc. (TFI) serves as Program Manager. TFI's affiliate, TIAA-CREF Individual & Institutional Services, LLC, is the distributor.

The investment approaches described are not recommendations and do not take into consideration personal goals or preferences. After evaluating information you consider important in making an investment choice, the ultimate decision is up to you. It is a good idea to revisit your investment strategy periodically as your goals, personal financial situation, and market conditions change.

Consider the investment objectives, risks, charges and expenses before investing in the Plan. Please call toll-free 1-877-KY TRUST (1-877-598-7878) for a Disclosure Booklet containing this information. Read it carefully.

Before investing in a 529 plan, you should consider whether the state you or your designated beneficiary reside in or have taxable income in has a 529 plan that offers favorable state income tax or other benefits that are only available if you invest in that state's 529 plan.

The Commonwealth of Kentucky, its agencies, TIAA-CREF Tuition Financing, Inc., Teachers Insurance and Annuity Association of America and its affiliates do not insure any account or guarantee its principal or investment return except for TIAA-CREF Life Insurance Company’s guarantee to the Kentucky Education Savings Plan under the funding agreement for the Guaranteed Option. Account value will fluctuate based upon a number of factors, including general market conditions.

The Plan Web site is for informational purposes only, and does not constitute an offer to sell or solicitation of an offer to buy any security that may be referenced on the site. Such offer or solicitation can be made only through the Disclosure Booklet.

The Plan Web site contains links to other Web sites. Neither the Plan Trust nor TFI and its affiliates are responsible for the content of those other Web sites. The accuracy of information on those sites cannot be confirmed.

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© 2008 TIAA-CREF Tuition Financing Inc.