Florida Prepaid: A Perfect Fit for Those Ever-Changing Life Stages

Thank you to Florida Prepaid College Plans for sponsoring this post and helping families prepare for many of life's stages.
Photo by Corinna Hoffman Photography.

I never fully understood the old parenting adage, “The days are long, but the years are short.” At least, not until now. I swear it was just yesterday: I was 38 weeks pregnant with my first, sitting in the labor and delivery unit thinking I would be told to go back home — it wasn’t time, it couldn’t be time — when the nurse informed me that I wouldn’t be leaving the hospital without a baby. All the blood drained from my face as I came to terms with the fact that my life as I knew it was about to fundamentally change… forever. Scary as heck? Yes. Worth it? Absolutely. And now my boys are ages 4 and 7. Don’t blink.

As much as we hate to think about it, these life stages happen fast — which is why it is all the more important that we prepare for our children’s futures now. Not tomorrow. Not next year. Now. Luckily, Florida Prepaid makes it easy and affordable to immediately start saving for your child’s education. During a time when costs seem to be increasing across the board and our wallets are already stretched thin, Florida Prepaid has actually rolled back its prices, making it the lowest it’s been in 10 years! The largest and most successful prepaid program of its kind, Florida Prepaid has helped more than 1.2 million families save for college — and it now offers options starting at just $34/month.

College Bound: Here’s How Florida Prepaid Works

Florida Prepaid has allowed more than 600,000 students to further their education with less debt, be it through a university, college, or vocational school. The best part? You have options!

The Florida 529 Prepaid Plan is inflation-proof, allowing families to prepay for college at a locked-in rate. You have a fixed payment based on the age of your child, and plans currently start as low as $34/month for a 1-Year Florida University Plan for a newborn! Once you lock in this historic price drop, your cost will never go up. And the earlier you start saving, the lower your monthly payment will be. (Pro Tip: The Florida Prepaid online pricing calculator takes the guesswork out of determining what is feasible for your family.) Plus, it’s risk-free: That means if tuition and fees cost more than your plan cost when college time rolls around, Florida Prepaid will cover the difference; if it costs less, you get a refund. Guaranteed.

Or with a tax-free Florida 529 Savings Plan, you can save what you want when you want — or even set up automatic monthly payments for as low as $25/month. The primary difference between the two is that with a Savings Plan, the guaranteed tuition price is not locked in.

Photo by Corinna Hoffman Photography.

The Right Choice: Why Choose Florida Prepaid

There is a reason (several, really) why Florida Prepaid is the largest and most successful prepaid program of its kind.

Affordable. Did we mention Florida Prepaid’s historic price drop? Plans start as low as $34/month — that’s not even a week’s worth of coffee. You can purchase one year, two years, or all four years of college, all based on your budget. Both plans are also tax-free!

Risk-free. Prepaid Plans are guaranteed by the State of Florida, so you can never lose your investment. If tuition and fees increase later, Florida Prepaid will cover the difference; if costs go down, you get the extra money back.

Flexible. We moms can barely figure out what to cook for dinner some nights, let alone know what our child’s future holds. Florida Prepaid Plans can be used in-state or out-of-state at public, private, trade, and technical schools nationwide. And if you move out of state later, your plan travels with you!

Compatible. The plans will easily work alongside scholarships and financial aid to help cover all the costs of your child’s future education, including books, dorm rooms, meal plans, and tuition.

Worry-free. If your child later decides not to go to college or if you change your mind, you can cancel at any time and withdraw the balance — or transfer it to another family member.

Open Enrollment Is Happening Now!

Open Enrollment for Florida Prepaid is the annual window when Florida residents can lock in future college tuition and dorm costs at today’s prices. Act now and give your child a head start before this year’s Open Enrollment period ends on April 30, 2024!


Tina Smithers Peckham
Originally from Kansas City, Tina relocated to Jacksonville, FL with her dear husband, feisty cat and sweet-natured corgi mix in 2016. After eight years working various gigs in New York City from magazine publishing to digital marketing, Tina joined the world of freelance, writing and reporting for a variety of publications and websites including MTV News, ET Online, Glamour, Us Weekly and more. Tina has also assisted with social media, editorial and content strategy for brands and personalities such as Britney Spears, Jordin Sparks, Beauty Brands, truTV and WE tv. When she’s not plugging away on her laptop, she can be found exploring the Jacksonville beaches, reading a good book or enjoying a local coffee shop with her cherub-cheeked little boys, Archer and Austin.


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