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North Carolina 529 plans
North Carolina residents receive some state plan benefits.
Learn about state tax benefits ↓North Carolina residents receive some state plan benefits.
Learn about state tax benefits ↓Featured 529 plans for North Carolina residents:
State tax deduction or credit
Not applicable. North Carolina does not have a personal income tax.
Which 529 plans does North Carolina offer?
North Carolina offers two 529 savings plans. The direct-sold NC 529 Plan featuring Vanguard funds is available to residents of any state. The Morgan Stanley National Advisory 529 Plan is an advisor-sold 529 offered exclusively to clients participating in Morgan Stanley sponsored investment advisory programs.
Direct sold 529 plans
"Do-it-yourself" type plans in which the saver enrolls and sets up the initial investment. Fortunately most 529 plans make this simple! You'll pay no sales charges beyond fund and administrative fees.
Our rating
3.5 / 5
Advisor sold 529 plans
Plans offered by investment professionals. You'll gain the guidance of a financial advisor, but will incur sales charges and/or fees as you invest.
ABLE Plans
529 ABLE accounts let Americans with disabilities save tax-deferred for education and other expenses without impacting eligibility for public benefits.
ABLE Plan
NC ABLE is offered through the National ABLE Alliance. NC ABLE was established within the North Carolina Department of State Treasurer to enable qualified individuals to save and invest, without losing means-tested benefits and supports. Funds in an NC ABLE account that are used for qualified disability expenses are tax-advantaged and are not considered income for means-tested benefits such Medicaid and Social Security Income.
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