You’ve probably heard of college savings plans. What you may not know is that every plan must be sponsored by a state, and states can sponsor more than one plan. Clark has a guide on the site telling you exactly which plans will give you the best bang for your buck. Utah has the lowest cost of any plan in the country, and is Clark’s top choice. You can find more great plans on Clark’s list. In addition, residents of one state can buy a plan in any other state. But you want to buy one of the good plans. On the other hand, Morningstar conducts an annual survey of plans to give you the worst 529 plans out there. One of the worst plans in the country comes from Alaska, for example. But the state also has a great plan. The way you tell the difference is if you see that the plan is sold by a commissioned-salesperson. You don’t want this. You want plans that are either “direct sold” or they say “direct plan” on them. Cost is the central issue with these plans, so pay attention.