Saving For College

SC Treasurer Curtis Loftis


Future Scholar 529 College Savings Plan

Future Scholar Media Kit Graphic

Future Scholar offers special tax benefits for South Carolina residents, including:
  • Tax-deductible contributions from your state income tax returns
  • Tax-deferred growth potential, year after year
  • Tax-free withdrawals, provided funds are used for qualified higher education expenses

What is a 529 Plan?

Created under section 529 of the Internal Revenue Code and sponsored by individual states, 529 plans are tax-advantaged education savings vehicles held by an account owner for a designated beneficiary. Beginning in 2002, changes to the Internal Revenue Code have rendered these plans more attractive than many other savings vehicles in tax treatment of withdrawals used for qualified education expenses.

What is Future Scholar?

Future Scholar is the 529 college savings plan sponsored by the State of South Carolina and administered by the Office of State Treasurer Curtis Loftis.

Future Scholar Helps South Carolinians Save for College

Future Scholar is designed to help make saving for college easier. Future Scholar funds can be used to pay for tuition and qualified higher education expenses at eligible two- and four-year public and private colleges, and graduate, professional and certain vocational programs.

2018 Direct Plan Financial Statements 2018 Advisor Plan Financial Statements 2017 Direct Plan Financial Statements 2017 Financial Advisor Plan Financials 2016 Direct Plan Audited Financial Statements  2016 Financial Advisor Plan Audited Financials  2015 Direct Plan Financial Statements 2015 Financial Advisor Plan Financial Statements  2014 Direct Plan Financial Statements  2014 Financial Advisor Program Financial Statements 

Fast Facts

  • Total Plan Accounts: 150,000
  • South Carolinians Enrolled: 97,000
  • Non-SC Residents Enrolled: 53,000
  • Total Assets Under Management: $3.38 Billion
  • More than $2.05 billion invested by SC residents
  • Among lowest-cost Direct and Advisor plans in the country
  • Morningstar® has awarded a Bronze rating for the Direct plan
  • awarded its best rating,
    "5 CAPS"
  • Praised by Money Magazine and The Wall Street Journal
  • Marketing campaign not paid for with state funds

Morningstar -bronze Five Graduation Caps
Independent Reviews

Future Scholar consistently earns high rankings from , a website which ranks every state's college savings program. The South Carolina Future Scholar 529 College Savings Plan has the highest ranking of FIVE CAPS. 

Morningstar Fund Research gives the Future Scholar Direct plan a Bronze rating. In a 2017 report, praised the Future Scholar Direct plan for its strong, long-term performance, low fees and that S.C. residents are able to deduct full contributions to the plan from S.C. state taxes.


SC PrePaid

Pay in Advance

For the tuition expenses of a child’s college education at any of South Carolina’s public colleges and universities

Annual Report Year Ended June 30, 2018 2018 Actuarial Report Annual Report Year Ended June 30, 2017 2017 Actuarial Report Annual Report Year Ended June 30, 2016 2016 Actuarial Report Annual Report Year Ended June 30, 2015 2015 SCTPP Actuarial Report Annual Report Year Ended June 30, 20142014 SCTPP Actuarial Report

please note: At this time, SCTPP is closed to new enrollment. If you have any questions, please contact us at 888.772.4723

Created by the 1997 South Carolina General Assembly and is operated under the South Carolina Office of State Treasurer. 

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