Children’s Savings Accounts: A Primer

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Children’s Savings Accounts (CSAs) are programs for children that use a long-term savings vehicle and offer financial incentives for the specific purpose of saving for any education beyond high school. CSAs include a wide range of program models, typically starting at birth or kindergarten with a restricted-use account for the sole benefit of the child’s postsecondary education in a state 529 plan, bank, or credit union.