{"id":673,"date":"2026-01-28T11:15:47","date_gmt":"2026-01-28T16:15:47","guid":{"rendered":"https:\/\/www.diplomaframe.com\/chc-blog\/index.php\/2009\/02\/08\/saving-for-college\/"},"modified":"2026-02-12T09:38:50","modified_gmt":"2026-02-12T14:38:50","slug":"creative-ways-to-save-for-college","status":"publish","type":"post","link":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/","title":{"rendered":"Parents&#8217; Guide to Saving for College"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"673\" class=\"elementor elementor-673\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ab0fbcf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ab0fbcf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d170941\" data-id=\"d170941\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61680d5f elementor-widget elementor-widget-text-editor\" data-id=\"61680d5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With college tuition consistently rising every year, parents are becoming more frustrated and overwhelmed with the idea of assisting their children in paying for their four-year-degree. Well, it\u2019s time to get scrappy and creative and find a reliable solution for planning for that bright future. What is the best way to tackle the cost of college? We have some of the best ways to start saving for colleges and universities, along with some creative solutions that can offer monetary assistance during the academic years.<\/p><p>As a parent, you want to help your age 18+ young adult start off on the right foot, but with the student loan burden in the US at a whopping <a href=\"https:\/\/www.cnn.com\/2020\/01\/19\/us\/student-loan-slow-repayment-moodys-trnd\/index.html\" target=\"_blank\" rel=\"noopener noreferrer\">$1.6 trillion<\/a>, it is clear paying college debt is a struggle. With slow levels of repayment and elevated levels of borrowing, it is wise to get a grip on your savings plan as early as possible. Financial expert Dave Ramsey helps outline the easiest ways for families to save for college in his blog, <a href=\"https:\/\/www.daveramsey.com\/blog\/saving-for-college-is-easier-than-you-think\" target=\"_blank\" rel=\"noopener noreferrer\">The Best Way to Start Saving for College<\/a>, and we are going to explore some of these so you have tangible options for your student\u2019s future.<\/p><h2>When Should You Start Saving for College?<\/h2><p>If you are building a future for your children, and college is in that long-term picture, the earlier you start saving and building up custodial accounts, the easier their financial burden will be in the long run. Unfortunately, starting college savings plans can be a burden all on its own.<\/p><p>Many parents are faced with a large amount of their own debt to pay down before they can begin thinking of helping their children. From interest rates on mortgages and cars to their own college <a href=\"https:\/\/www.tateesq.com\/student-loan-debt-statistics\" target=\"_blank\" rel=\"noopener noreferrer\">student loan debt<\/a>, financial obligations can make budgets tight.<\/p><p>While you can encourage your son or daughter to apply for grants and\/or scholarships, they may not be enough to cover those steep college expenses. So, here are some options for your kids and family members that can help lift the burden on your checking account, i<span data-olk-copy-source=\"MessageBody\">ncluding exploring academic resources and <a href=\"https:\/\/writepaper.com\/\">paper help<\/a> services that support students throughout their college journey.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f2cb3c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f2cb3c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bc597f1\" data-id=\"bc597f1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dcabe06 elementor-widget elementor-widget-image\" data-id=\"dcabe06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/BlogImages_2048x1024_SaveForCollege_coffeshop-1024x512.jpg\" class=\"attachment-large size-large wp-image-21723\" alt=\"college student working as a barista at a coffee shop\" srcset=\"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/BlogImages_2048x1024_SaveForCollege_coffeshop-1024x512.jpg 1024w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/BlogImages_2048x1024_SaveForCollege_coffeshop-300x150.jpg 300w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/BlogImages_2048x1024_SaveForCollege_coffeshop-768x384.jpg 768w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/BlogImages_2048x1024_SaveForCollege_coffeshop-1536x768.jpg 1536w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/BlogImages_2048x1024_SaveForCollege_coffeshop.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0fdf2fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0fdf2fc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6d5c005\" data-id=\"6d5c005\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-441aa38 elementor-widget elementor-widget-text-editor\" data-id=\"441aa38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Education Savings Account (ESA) or Education IRA<\/h2><p>The tax advantages of this savings plan may be just what you need to secure your child\u2019s future. An ESA offers you the ability to save $2,000 per year, per child (tax-free!). It also creates steady growth for your child\u2019s education. If you were to start when your child was born and they go off to college at 18, you\u2019ve invested $36,000 and you\u2019ll have gained a much higher rate of return than you would see in a regular bank savings account. And remember, you will NOT have to pay gift taxes on that money once it is withdrawn for education expenses.<\/p><p>Obviously, there are always pitfalls to any options. For example, when it comes to starting an ESA, keep in mind that you must be within a specific income bracket to quality. Additionally, you can only put in an annual contribution of $2,000, and the money must be used by the time your child turns 30.<\/p><h2>529 Plan<\/h2><p>Searching for a 529 College Savings Plan is always an option for families that do not qualify for the ESA. However, searching for the right 529 Plan may take you some time and research. According to Dave Ramsey, parents should look for a 529 Plan that allows them to choose the mutual funds they invest into the plan; adversely, he warns against plans that would freeze your options or change your investing decisions based on the age of your child. 529 Plans are a great option because they are still federally tax-free savings plan (like the ESA) but have fewer restrictions on investment accounts placed on them.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-225e2e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"225e2e4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ebacff7\" data-id=\"ebacff7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-332ae7e elementor-widget elementor-widget-image\" data-id=\"332ae7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2022\/05\/polish-resume-_-finances-1024x512.jpg\" class=\"attachment-large size-large wp-image-11389\" alt=\"student writing and working at computer\" srcset=\"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2022\/05\/polish-resume-_-finances-1024x512.jpg 1024w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2022\/05\/polish-resume-_-finances-300x150.jpg 300w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2022\/05\/polish-resume-_-finances-768x384.jpg 768w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2022\/05\/polish-resume-_-finances-1536x768.jpg 1536w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2022\/05\/polish-resume-_-finances.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7df4ff5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7df4ff5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cf5e0ad\" data-id=\"cf5e0ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0d36c21 elementor-widget elementor-widget-text-editor\" data-id=\"0d36c21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>UTMA or UGMA (Uniform Transfer\/Gift to Minors Act)<\/h2><p>These accounts differ significantly from the ESA and 529 Plan because they are not restricted to those who wish to attend college. However, they are still a viable way to help your minor save money for their future. These accounts are opened in the minor\u2019s name but are controlled by a custodian until the child reaches the age of 21. At this time, the account would transfer to the child and can be used in any way that they see fit.<\/p><p>Opening a UTMA or UGMA may not be the best option if you are intending the funds for educational usage only. While these accounts offer a flexible way to save for the future, and they can be used towards any expenses, this may offer too much flexibility for a new adult. Young adults tend to make many mistakes financially, and once the funds transfer to them it is out of the custodian\u2019s hands. While you may hope your child uses the money for educational purposes, no one is stopping them from purchasing a new car or going on an expensive vacation.<\/p><h2>Consider Other Accounts<\/h2><p>While an ESA, 529 Plan, or UTMA\/UGMA are among the top three options for parents looking to help their child\u2019s future, they are not the only options available. Consider other accounts, such as Brokerage accounts or Roth IRA accounts for your savings plan. While both have their own sets of pros and cons, they certainly can help maximize on your investment. To find out more about the pros and cons of saving for college, check out this article on <a href=\"https:\/\/studentloanhero.com\/featured\/3-ways-save-college-not-529-plan\/\" target=\"_blank\" rel=\"noopener noreferrer\">5 Ways to Save for College<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-455bc5c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"455bc5c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5bc20a5\" data-id=\"5bc20a5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54481cd elementor-widget elementor-widget-image\" data-id=\"54481cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2020\/07\/Untitled-design-2023-12-14T102059.298-1024x512.jpg\" class=\"attachment-large size-large wp-image-18531\" alt=\"closeup of hands on calculator on desk with financials\" srcset=\"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2020\/07\/Untitled-design-2023-12-14T102059.298-1024x512.jpg 1024w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2020\/07\/Untitled-design-2023-12-14T102059.298-300x150.jpg 300w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2020\/07\/Untitled-design-2023-12-14T102059.298-768x384.jpg 768w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2020\/07\/Untitled-design-2023-12-14T102059.298-1536x768.jpg 1536w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2020\/07\/Untitled-design-2023-12-14T102059.298.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-54fd6dc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54fd6dc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a16b03\" data-id=\"3a16b03\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-be8d6cb elementor-widget elementor-widget-text-editor\" data-id=\"be8d6cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Get Scrappy with Your Money<\/h2><p>Most parents have a solid 18 years to help build a fund for their child\u2019s college tuition. That is nearly two decades to come up with a good chunk of change to help minimize the debt their children will surely build from spending a minimum of four years in college securing their degree.<\/p><p>Try getting scrappy with your money from the start. Budgeting your expenses throughout the year and putting more money into an account for your child will help immensely. Consider asking for money toward your college fund in lieu of gifts for your child\u2019s birthday parties. Eighteen years of birthday celebrations can add up to thousands of dollars saved!<\/p><h3>Tax Deductions<\/h3><p>If you do not need money when it comes back at tax time and you are looking for a smart way to invest that extra thousand or two, invest it in that college fund. After all, a chunk of your tax deduction comes from your child in the first place; the least you can do is put a little back for them.<\/p><h3>Have Your Child Help with Savings<\/h3><p>Start the conversation early! It is NEVER too early to dream and wonder about the future with your children. Chances are that your son or daughter will have fun saving their pennies in the piggy banks! Have them use some of that hard-earned change toward their future. The best part about their participation? It will help foster independence and self-confidence and teach the importance of setting goals and being smart with your money. Plus, you want to ensure they won\u2019t need to contend with department of education student loan repayments years down the road.<\/p><h3>Offer a 50\/50 Allowance Policy in Your Home<\/h3><p>Let\u2019s be honest, kids tend to spend what they earn. It is part of the growing process of learning how to spend and save money. Instead of giving your kid the full allowance, make them do a 50\/50 split with their college fund. This way, your kid learns the value of what they are earning, about contribution limits, and about the hard work behind saving for their own future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-858cc15 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"858cc15\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9cbff99\" data-id=\"9cbff99\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cd26712 elementor-widget elementor-widget-image\" data-id=\"cd26712\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/Untitled-design-77-1024x512.jpg\" class=\"attachment-large size-large wp-image-22599\" alt=\"Closeup of person looking a laptop screen that reads &quot;$10,000 in Scholarships!&quot; with information about Frame My Future Scholarship.\" srcset=\"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/Untitled-design-77-1024x512.jpg 1024w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/Untitled-design-77-300x150.jpg 300w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/Untitled-design-77-768x384.jpg 768w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/Untitled-design-77-1536x768.jpg 1536w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/Untitled-design-77.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dd000a elementor-widget elementor-widget-text-editor\" data-id=\"1dd000a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Apply for Scholarships and Grants<\/h2><p>Higher education expenses are plentiful, but so are the ways that you and your minor can earn free money toward those costs. While you cannot plan for scholarships and grants, they are an excellent monetary addition toward your education. Your high school or college that you hope to attend will have a ton of resources for scholarships and grants that you can apply for to help toward your expenses.<\/p><p>Many companies offer scholarship opportunities that take a little bit of effort and have a huge payoff. Our scholarship opportunity, <a href=\"https:\/\/www.diplomaframe.com\/contests\/scholarship\" target=\"_blank\" rel=\"noopener noreferrer\">Frame My Future,<\/a> awards more than $10,000 annually to students at both private colleges and public universities. While some scholarships offer more or less than that, they all have something in common: They help your child accrue less debt during their college experience.<\/p><h2>What Is the Payoff for Your Savings Plan?<\/h2><p>There is no better feeling than having helped make your child\u2019s dream a reality. Shouldering the debt that college brings is a struggle for so many graduating with their degrees. You should not have to stress about helping your child succeed in their studies and they should not have to stress about accruing so much debt.<\/p><p>After four years and a lot of hard work, coming out with little to no debt and a degree will start them off on the right foot. And of course, you can give them a well-deserved pat on the back and a <a href=\"https:\/\/www.diplomaframe.com\/shop-frames-gifts\/college-university-diploma-frames.aspx\" target=\"_blank\" rel=\"noopener noreferrer\">beautiful diploma frame<\/a> for a job well done knowing you had a hand in their success.<\/p><p>Make their college experience unforgettable and affordable! There are so many ways you can assist your child in saving for their college tuition while preserving your retirement accounts. If you are looking for additional resources and tips on saving your child\u2019s higher education expenses, try visiting these websites: <a href=\"https:\/\/finaid.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">FinAid<\/a>, <a href=\"https:\/\/www.forbes.com\/advisor\/personal-finance\/the-best-and-worst-529-plans\/\" target=\"_blank\" rel=\"noopener noreferrer\">The Best and Worst 529 Plans<\/a>, and <a href=\"https:\/\/www.interest.com\/savings\/starting-a-college-fund\/\" target=\"_blank\" rel=\"noopener noreferrer\">Building a College Fund for a Newborn<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-71ee27f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71ee27f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a1d778\" data-id=\"7a1d778\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7913a52 elementor-widget elementor-widget-image\" data-id=\"7913a52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.diplomaframe.com\/shadow-box-frames\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"970\" height=\"250\" src=\"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2022\/03\/Blog-GRAD-CAP-theme-970x250-2.jpg\" class=\"attachment-large size-large wp-image-10254\" alt=\"grad cap shadow box on desk banner\" srcset=\"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2022\/03\/Blog-GRAD-CAP-theme-970x250-2.jpg 970w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2022\/03\/Blog-GRAD-CAP-theme-970x250-2-300x77.jpg 300w, https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2022\/03\/Blog-GRAD-CAP-theme-970x250-2-768x198.jpg 768w\" sizes=\"(max-width: 970px) 100vw, 970px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Saving for college can be rough! Luckily, Church Hill Classics is here to help you find the best and most reliable ways to save for college!<\/p>\n","protected":false},"author":2,"featured_media":21720,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[91],"tags":[],"class_list":["post-673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-parents"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Parents&#039; Guide to Saving for College - Church Hill Classics Blog<\/title>\n<meta name=\"description\" content=\"Saving for college can be rough! Luckily, Church Hill Classics is here to help you find the best and most reliable ways to save money for college tuition.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Parents&#039; Guide to Saving for College - Church Hill Classics Blog\" \/>\n<meta property=\"og:description\" content=\"Saving for college can be rough! Luckily, Church Hill Classics is here to help you find the best and most reliable ways to save money for college tuition.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/\" \/>\n<meta property=\"og:site_name\" content=\"Church Hill Classics Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ChurchHillClassics\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-28T16:15:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-12T14:38:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/BlogImages_2048x1024_SaveForCollege_main_v1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Church Hill Classics\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@diplomaframe\" \/>\n<meta name=\"twitter:site\" content=\"@diplomaframe\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/creative-ways-to-save-for-college\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/creative-ways-to-save-for-college\\\/\"},\"author\":{\"name\":\"Church Hill Classics\",\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/#\\\/schema\\\/person\\\/121b24feacae8ddabd6d8b06dafe90df\"},\"headline\":\"Parents&#8217; Guide to Saving for College\",\"datePublished\":\"2026-01-28T16:15:47+00:00\",\"dateModified\":\"2026-02-12T14:38:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/creative-ways-to-save-for-college\\\/\"},\"wordCount\":1589,\"image\":{\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/creative-ways-to-save-for-college\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i.diplomaframe.com\\\/chc-blog\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/BlogImages_2048x1024_SaveForCollege_main_v1.jpg\",\"articleSection\":[\"College Advice for Parents\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/creative-ways-to-save-for-college\\\/\",\"url\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/creative-ways-to-save-for-college\\\/\",\"name\":\"Parents' Guide to Saving for College - Church Hill Classics Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/creative-ways-to-save-for-college\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/creative-ways-to-save-for-college\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i.diplomaframe.com\\\/chc-blog\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/BlogImages_2048x1024_SaveForCollege_main_v1.jpg\",\"datePublished\":\"2026-01-28T16:15:47+00:00\",\"dateModified\":\"2026-02-12T14:38:50+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/#\\\/schema\\\/person\\\/121b24feacae8ddabd6d8b06dafe90df\"},\"description\":\"Saving for college can be rough! Luckily, Church Hill Classics is here to help you find the best and most reliable ways to save money for college tuition.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/creative-ways-to-save-for-college\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/creative-ways-to-save-for-college\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/creative-ways-to-save-for-college\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i.diplomaframe.com\\\/chc-blog\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/BlogImages_2048x1024_SaveForCollege_main_v1.jpg\",\"contentUrl\":\"https:\\\/\\\/i.diplomaframe.com\\\/chc-blog\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/BlogImages_2048x1024_SaveForCollege_main_v1.jpg\",\"width\":2048,\"height\":1024,\"caption\":\"woman working at a desk with custom plaque and diploma frame on wall behind her\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/creative-ways-to-save-for-college\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Parents&#8217; Guide to Saving for College\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/#website\",\"url\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/\",\"name\":\"Church Hill Classics Blog\",\"description\":\"Church Hill Classics Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/#\\\/schema\\\/person\\\/121b24feacae8ddabd6d8b06dafe90df\",\"name\":\"Church Hill Classics\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/church-hill-classics_avatar-96x96.jpg\",\"url\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/church-hill-classics_avatar-96x96.jpg\",\"contentUrl\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/church-hill-classics_avatar-96x96.jpg\",\"caption\":\"Church Hill Classics\"},\"description\":\"Church Hill Classics blog authors provide expertly researched articles on topics such as custom framing, college searches, graduation gifts, and career advice.\",\"url\":\"https:\\\/\\\/www.diplomaframe.com\\\/chc-blog\\\/author\\\/church-hill-classics\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Parents' Guide to Saving for College - Church Hill Classics Blog","description":"Saving for college can be rough! Luckily, Church Hill Classics is here to help you find the best and most reliable ways to save money for college tuition.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/","og_locale":"en_US","og_type":"article","og_title":"Parents' Guide to Saving for College - Church Hill Classics Blog","og_description":"Saving for college can be rough! Luckily, Church Hill Classics is here to help you find the best and most reliable ways to save money for college tuition.","og_url":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/","og_site_name":"Church Hill Classics Blog","article_publisher":"https:\/\/www.facebook.com\/ChurchHillClassics\/","article_published_time":"2026-01-28T16:15:47+00:00","article_modified_time":"2026-02-12T14:38:50+00:00","og_image":[{"width":2048,"height":1024,"url":"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/BlogImages_2048x1024_SaveForCollege_main_v1.jpg","type":"image\/jpeg"}],"author":"Church Hill Classics","twitter_card":"summary_large_image","twitter_creator":"@diplomaframe","twitter_site":"@diplomaframe","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/#article","isPartOf":{"@id":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/"},"author":{"name":"Church Hill Classics","@id":"https:\/\/www.diplomaframe.com\/chc-blog\/#\/schema\/person\/121b24feacae8ddabd6d8b06dafe90df"},"headline":"Parents&#8217; Guide to Saving for College","datePublished":"2026-01-28T16:15:47+00:00","dateModified":"2026-02-12T14:38:50+00:00","mainEntityOfPage":{"@id":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/"},"wordCount":1589,"image":{"@id":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/#primaryimage"},"thumbnailUrl":"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/BlogImages_2048x1024_SaveForCollege_main_v1.jpg","articleSection":["College Advice for Parents"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/","url":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/","name":"Parents' Guide to Saving for College - Church Hill Classics Blog","isPartOf":{"@id":"https:\/\/www.diplomaframe.com\/chc-blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/#primaryimage"},"image":{"@id":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/#primaryimage"},"thumbnailUrl":"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/BlogImages_2048x1024_SaveForCollege_main_v1.jpg","datePublished":"2026-01-28T16:15:47+00:00","dateModified":"2026-02-12T14:38:50+00:00","author":{"@id":"https:\/\/www.diplomaframe.com\/chc-blog\/#\/schema\/person\/121b24feacae8ddabd6d8b06dafe90df"},"description":"Saving for college can be rough! Luckily, Church Hill Classics is here to help you find the best and most reliable ways to save money for college tuition.","breadcrumb":{"@id":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/#primaryimage","url":"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/BlogImages_2048x1024_SaveForCollege_main_v1.jpg","contentUrl":"https:\/\/i.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/01\/BlogImages_2048x1024_SaveForCollege_main_v1.jpg","width":2048,"height":1024,"caption":"woman working at a desk with custom plaque and diploma frame on wall behind her"},{"@type":"BreadcrumbList","@id":"https:\/\/www.diplomaframe.com\/chc-blog\/creative-ways-to-save-for-college\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.diplomaframe.com\/chc-blog\/"},{"@type":"ListItem","position":2,"name":"Parents&#8217; Guide to Saving for College"}]},{"@type":"WebSite","@id":"https:\/\/www.diplomaframe.com\/chc-blog\/#website","url":"https:\/\/www.diplomaframe.com\/chc-blog\/","name":"Church Hill Classics Blog","description":"Church Hill Classics Blog","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.diplomaframe.com\/chc-blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.diplomaframe.com\/chc-blog\/#\/schema\/person\/121b24feacae8ddabd6d8b06dafe90df","name":"Church Hill Classics","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/06\/church-hill-classics_avatar-96x96.jpg","url":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/06\/church-hill-classics_avatar-96x96.jpg","contentUrl":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-content\/uploads\/2025\/06\/church-hill-classics_avatar-96x96.jpg","caption":"Church Hill Classics"},"description":"Church Hill Classics blog authors provide expertly researched articles on topics such as custom framing, college searches, graduation gifts, and career advice.","url":"https:\/\/www.diplomaframe.com\/chc-blog\/author\/church-hill-classics\/"}]}},"_links":{"self":[{"href":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-json\/wp\/v2\/posts\/673","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-json\/wp\/v2\/comments?post=673"}],"version-history":[{"count":74,"href":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-json\/wp\/v2\/posts\/673\/revisions"}],"predecessor-version":[{"id":22815,"href":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-json\/wp\/v2\/posts\/673\/revisions\/22815"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-json\/wp\/v2\/media\/21720"}],"wp:attachment":[{"href":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-json\/wp\/v2\/media?parent=673"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-json\/wp\/v2\/categories?post=673"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.diplomaframe.com\/chc-blog\/wp-json\/wp\/v2\/tags?post=673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}