Saving a little now can be better than borrowing later.

At IDeal, we realize that, when the time comes, you may need a combination of saving and borrowing to pay for college. But the numbers don't lie: Thanks to IDeal's potential for tax-deferred growth, and the power of compounding, saving and investing even a little each month can be more cost-effective than borrowing money and paying interest on it.1

Start with small steps.

Could you save $1 a day for college? Maybe skip one family night out a month, or a few coffees a week?

These may not seem like much, but even small amounts over time can help make a college education more affordable. Plus, the good feeling you'll have knowing that you're investing in your child's future will last a lot longer than a morning coffee or that pizza night out.

Use these tools to teach your child the power of saving, too.

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  • Little by Little ebook: Children become a part of a series of short stories designed to teach them how little by little things grow.
  • What is Money?: We explain the basics of money and why it is important.
  • When I Grow Up: Through activity based interactions they'll think about what they want to be in the future.
  • Save, Share, and Spend: Save for the future, spend today, share a little with those in need.

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  • Dream job finder: Interactive gameboards let kids follow their interests to uncover their dream jobs, whether they love sports, art, music, technology, business, helping others, being outdoors, shopping, or being involved in the community.
  • Get educated: Find out how much college or vocational school your child will need to achieve the career of their dreams.
  • Compare results: Parents take the challenge to see how well they really know their child and what it takes to help them reach their dreams.

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  • College Cost Cruncher: Get a ballpark estimate of what your college degree could cost.
  • College Compare-izer: Compare your favorite schools based on a list of criteria that's important to you.
  • Brag Bank: Keep track of your experience to build a stronger college resume.
  • FAFSA Checker: Organize the items you need to fill out your FAFSA.

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1 A plan of regular investment cannot ensure a profit or protect against a loss in a declining market.

Ascensus Broker Dealer Services is the distributor of IDeal - Idaho College Savings Program. Learn more about Ascensus Broker Dealer Services, Inc. on FINRA's BrokerCheck.

Important Legal Information

By clicking on one of the social media icons, you are leaving the IDeal website, maintained by Ascensus College Savings, and are being redirected to a social media site solely maintained by the Idaho College Savings Program Board (“Board”). Ascensus Broker Dealer Services, Inc., the program manager for IDeal, does not monitor or endorse the Board's social media activities. All IDeal social media activities are the sole responsibility of the Board.

Mr. Thiros is a registered representative of Ascensus Broker Dealer Services Inc., 877-529-2980, 95 Wells Ave, Newton MA (member FINRA/SIPC) and is not employed by the State of Idaho.

For more information about IDeal - Idaho College Savings Program ("IDeal"), call 866-433-2533 or click here to obtain a Disclosure Statement. The Disclosure Statement discusses investment objectives, risks, charges, expenses, and other important information. Because investing in IDeal is an important decision for you and your family, you should read and consider the Disclosure Statement carefully before investing. Ascensus Broker Dealer Services, Inc. ("ABD") is Distributor of IDeal.

Please Note: Before investing in any 529 plan, you should consider whether your or the beneficiary's home state offers a 529 plan that provides its taxpayers with state tax or other benefits that are only available through investment in the home state's 529 plan. You should consult your financial, tax, or other advisor to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to contact directly your home state's 529 college savings plan(s), or any other 529 plan, to learn more about those plans' features, benefits, and limitations. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

IDeal is administered by the Idaho College Savings Program Board ("Board"). ABD, the program manager, and its affiliates, have overall responsibility for the day-to-day operations, including investment advisory, recordkeeping and administrative services, and marketing. The Vanguard Group, Inc. ("Vanguard") serves as Investment Manager for IDeal. Sallie Mae Bank serves as the Savings Portfolio Manager for IDeal. IDeal's Portfolios invest in either: (i) mutual funds offered or managed by Vanguard; or (ii) an FDIC-insured omnibus savings account held in trust by the Board at Sallie Mae Bank. Except for the Savings Portfolio, investments in IDeal are not insured by the FDIC. Units of the Portfolios are municipal securities and the value of units will vary with market conditions.

Investment returns will vary depending upon the performance of the Portfolios you choose. Except to the extent of FDIC insurance available for the Savings Portfolio, you could lose all or a portion of your money by investing in IDeal, depending on market conditions. Account Owners assume all investment risks as well as responsibility for any federal and state tax consequences.

Not FDIC-Insured (except for the Savings Portfolio). No Bank, State or Federal Guarantee. May lose value.