1. Innovative Ideas & Solutions Joseph Hurley Vice-President, Bankrate Inc. Founder, Savingforcollege.com College Savings & Financing Summit 2008 Washington, D.C. May 21, 2008

2. $1,500 $9,575 $4,000 Age-Based 529 Tuition Projected growth of age-based 529 account vs. tuition

3. States offering a tax deduction or credit for 529 contributions In-state only In-state and out No income tax

4. States with a 529 matching contribution program tied to income level

5. Creditor protected Cred & Medicaid Protected States with laws protecting 529 accounts from creditor claims

6. Saving for college and its impact on future financial aid eligibility Are parents concerned?

7. Should the federal government do more?

8. Investment objectives in saving for college

9. Postponing retirement to avoid further debt?

10. Home-state 529 plans vs. out-of-state

11. Allocation of savings between retirement and college savings

12. Likeliness of attending college or grad school in the future

13. Should the states be removed from the 529 plan business?

14. 529 vs. ESA

15. Should states be required to open up their 529 deductions to out-of-state plans?

16. Prescription for Savings  Get financial aid administrators up to speed on 529s and ESAs  Clarify and simplify the tax law  Allow tax-free repurposing of 529 funds limited rollover to a Roth IRA donation to a 501(c)(3) scholarship program

17. Thank You! Joe Hurley jhurley@savingforcollege.com