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Oh fools out router broke camp senior advisor for the Motley Fools rule retirement service and as part of our part of our ask the full series we have a question from Vincent this question is can you describe the ins and outs of 529 plans for saving for college 529 plans our investment plans sponsored mostly by States and the great benefit is that the money grows tax-free as long as the money is used for qualified higher education expenses things like tuition and room and board and anything else youre required to pay to attend the school there are actually two types of plans one is the prepaid plan that every state has this option the general philosophy behind these is that you buy tomorrows tuition at todays prices or a little bit more than todays prices so that youre guaranteed when you put that money in that itll cover tuition whatever it costs in the future however that guarantee has several limitations first of all it only covers in-state public schools so if your student de