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Resource Center Maturity Year Selection Guide
Maturity Year Selection Guide
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Resource Center Maturity Year Selection Guide

Maturity Year Selection Guide

Maturity Year Selection Guide

Each year you contribute to the U.Plan, you’re saving wisely by locking in today’s tuition rates. Follow our guidelines below as you plan your investment and select your maturity years.

Planning your U.Plan savings

When saving in the U.Plan, you’ll need to specify the maturity year(s) of each Tuition Certificate you want to purchase. The maturity year is the year that you’ll be able to redeem the Tuition Certificate for tuition and mandatory fees. The maturity year(s) should be one or more of the years in which you expect your child to attend college (e.g. freshman, sophomore, junior and/or senior year).

Use this chart for assistance:

Age or Grade of Student During the 2024-25 Academic Year Freshman
Year
Sophomore
Year
Junior
Year
Senior
Year
Age 0-1 2042 2043 2044 2045
Age 1-2 2041 2042 2043 2044
Age 2-3 2040 2041 2042 2043
Age 3-4 2039 2040 2041 2042
Age 4-5 2038 2039 2040 2041
Grade K 2037 2038 2039 2040
Grade 1 2036 2037 2038 2039
Grade 2 2035 2036 2037 2038
Grade 3 2034 2035 2036 2037
Grade 4 2033 2034 2035 2036
Grade 5 2032 2033 2034 2035
Grade 6 2031 2032 2033 2034
Grade 7 2030 2031 2032 2033
Grade 8 N/A 2030 2031 2032
Grade 9 N/A N/A 2030 2031
Grade 10 N/A N/A N/A 2030

Be sure to make any adjustments for your child’s age and/or grade when selecting maturity year(s). Years listed refer to the academic year beginning with the fall semester. This chart assumes no interruptions of studies and no school district age requirements for kindergarten.

You may designate your savings for just one maturity year or for up to five different maturity years. Each Tuition Certificate will represent one maturity year. For example, if you choose your child’s expected freshman, sophomore, and junior years as maturity years, you will purchase Tuition Certificates that mature in each of those years. The maturity years available for purchase in 2025 are 2030 through 2045.

Consider a 4-year strategy

Think about saving for all four years that your child will be in college by designating your savings toward more than one maturity year, and/or by contributing to the U.Plan year after year. Your savings will accumulate and your percentages will add up.

Example: Your child is in Grade 1 during the 2024-25 academic year. He will be in college in 2036, 2037, 2038, and 2039. You may purchase Tuition Certificates for all 4 years and then have U.Plan savings available for each year your child is in college. You can invest as little as $25 per month in order to save the $300 needed to purchase a Tuition Certification each year and lock in a percentage of tuition and mandatory fee rates. This $300 may be spread over several maturity years.