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 2025-26 Academic Year | Freshman Year | Sophomore Year | Junior Year | Senior Year |
|---|---|---|---|---|
| Age 0-1 | 2044 | 2045 | 2046 | 2047 |
| Age 1-2 | 2043 | 2044 | 2045 | 2046 |
| Age 2-3 | 2042 | 2043 | 2044 | 2045 |
| Age 3-4 | 2041 | 2042 | 2043 | 2044 |
| Age 4-5 | 2040 | 2041 | 2042 | 2043 |
| Grade K | 2039 | 2040 | 2041 | 2042 |
| Grade 1 | 2038 | 2039 | 2040 | 2041 |
| Grade 2 | 2037 | 2038 | 2039 | 2040 |
| Grade 3 | 2036 | 2037 | 2038 | 2039 |
| Grade 4 | 2035 | 2036 | 2037 | 2038 |
| Grade 5 | 2034 | 2035 | 2036 | 2037 |
| Grade 6 | 2033 | 2034 | 2035 | 2036 |
| Grade 7 | 2032 | 2033 | 2034 | 2035 |
| Grade 8 | 2031 | 2032 | 2033 | 2034 |
| Grade 9 | 2030 | 2031 | 2032 | 2033 |
| Grade 10 | 2029 | 2030 | 2031 | 2032 |
| Grade 11 | 2028 | 2029 | 2030 | 2031 |
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 2025-26 academic year. If he enters college right after high school, he will likely be in college in 2038, 2039, 2040, and 2041. 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.
