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Do I have to use my own state’s 529 plan?

Short answer

No, but your state may give a tax break only for its own plan. Compare fees and benefits.

Rules differ by state. This is general information, not legal or professional advice.

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Official sources

SEC Investor.gov: 529 plansinvestor.gov
IRS: 529 plans questions and answersirs.gov
StudentAid.gov: financial aid basicsstudentaid.gov