State Guides: Student Loans & 529 Plans by State
Student loan repayment is governed by federal law, so the core plans — Standard, RAP, IBR, PAYE, ICR, and PSLF — are the same in every state. What changes by state is the 529 college-savings plan, the state higher-education agency, and certain state tax treatment. Select your state below for a complete, source-linked guide.
Key Takeaway: Pick your state to see its real 529 plan name, the official plan URL, the state agency that handles financial aid, and how your state treats 529 contributions for tax purposes.
All 50 State Guides
CollegeCounts 529 Fund
University of Alaska College Savings Plan
AZ 529 (Arizona’s Education Savings Plan)
GIFT College Investing Plan (Arkansas 529)
ScholarShare 529
CollegeInvest 529
CHET 529
Delaware College Investment Plan
Florida 529 (Prepaid + Savings)
Path2College 529
Hawaii College Savings Program (HI529)
Idaho College Savings Program (IDSaves)
Bright Start / Bright Directions 529
CollegeChoice 529
College Savings Iowa
Learning Quest 529
KY Saves 529
START Savings Plan (Louisiana 529)
NextGen 529
Maryland 529
U.Fund (MEFA) 529
MI 529 (Michigan Education Savings Program)
Minnesota 529 (MESP)
Mississippi College Savings (MACS)
MOST 529
Montana 529 (Achieve Montana)
NEST 529
SSGA Upromise 529 (NV 529)
UNIQUE 529
NJBEST 529
The Education Plan (NM 529)
NY 529 Direct Plan
NC 529
College SAVE (Bank of North Dakota)
CollegeAdvantage 529
Oklahoma College Savings Plan
Oregon College Savings Plan
PA 529 (GSP / TAP / IP)
CollegeBound Saver (RI 529)
Future Scholar 529
CollegeAccess 529 (SD 529)
TNStars 529
Texas College Savings Plan (LoneStar 529)
Utah Educational Savings Plan (UESP)
VT529
Virginia 529
WA 529 (GET / DreamAhead)
Smart529 (WV 529)
Edvest 529
Wyoming College Savings Plan
How to Use These Guides
Each state guide explains the federal repayment options that apply to you, links to the official 529 plan and state agency, summarizes state tax treatment, and connects you to our free calculators — the 5-Plan Compare, Amortization, PSLF, and Refinance tools. None of these pages are financial, legal, or tax advice; always verify details with the official sources linked on each page.