Financial aid often helps. But financial advisers tell parents to start college savings plans when their child is still very young.

　　All 50 states and the District of Columbia offer what are called 5-20-9 plans. These plans are named after the part of the federal tax law that created them in 1996. States use private investment companies to operate most programs.

　　Every state has its own rules governing 5-20-9 plans. Some of the plans are free of state taxes. And all are free of federal taxes. However, the government could start to tax withdrawals in 2011 if Congress does not change the law.

　　5-20-9 plans include investment accounts that increase or decrease in value with the investments they contain. Families must decide how aggressively they want to put money into stocks, bonds or other investments.

　　Another kind of 5-20-9 plan lets parents begin to pay for their childs education long before their child starts college. This kind of savings program is called a prepaid tuition plan.

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