Everything NY 529. Right Here.
You’ve taken a smart step.
As the account owner of an NY 529 Direct Plan account, you control how to save, invest, and use the funds—while enjoying flexibility and potential tax benefits. Don’t have an account? Get started now.
Get the most out of your college savings.
Make saving easier with automatic contributions. Log in, select Contribute, and choose Electronic Bank Transfer to set your amount, frequency, and start date. You can also opt in to automatic annual increases.
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Make gifting simple with Ugift®
Ugift® allows friends and family to contribute directly to your NY 529 Direct Plan account. Every account gets their own, unique, secure, Ugift® code to share with loved ones. After all, saving is easier with help from others.
Your guide to accessing NY 529 funds.
When it’s time to withdraw from your NY 529 Direct Plan account, choose the method that works best—online, by mail, or by phone—and follow a few simple steps.
If you don't have an account, get started now.
Online
- Log on to your account.
- From My Accounts, choose the appropriate account to act on.
- On the "Overview" page, under Investments, select Make a Withdrawal.
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Select one of the following:
- Yes. This is a qualified withdrawal for higher education expenses; or
- Yes. This is a withdrawal to pay for fees, books, supplies and/or equipment required for participation in an apprenticeship program registered and certified with the Secretary of Labor; or
- No. This is a nonqualified withdrawal that will not be used for education expenses.
- Yes. This is a withdrawal to pay expenses for tuition in connection with enrollment or attendance at an elementary or secondary public, private, or religious school; or
- Yes. This is a withdrawal to pay for principal or interest on a qualified education loan of the beneficiary or a sibling of the beneficiary. If sending funds directly to a school, enter the beneficiary's student ID in the Memo section.
- If you're withdrawing funds to pay elementary or secondary school tuition, please note that for NY State tax purposes, this will require the recapture of any NY State tax benefits that have accrued on contributions.
- Submit your request.
Note: Remember to enter the beneficiary's student ID number in the Memo section if your withdrawal is going directly to the college or other post-secondary school. Please note, however, that withdrawals for K-12 tuition cannot be sent directly to the beneficiary or the educational institution. We will only send withdrawals for K-12 tuition to the account owner.
By U.S. Mail
- Download and print the Withdrawal Request Form.
- Complete and sign the form.
- Include the beneficiary’s student ID if sending funds directly to a school.
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Mail to:New York’s 529 College Savings Program Direct Plan
P.O. Box 55440
Boston, MA 02205-8323
By Phone
- Call 877-NYSAVES (877-697-2837).
- Provide your account, beneficiary, school information, and student ID if sending funds directly to a school.
Important:
- Allow 10 business days for funds to arrive.
- Processing may take longer during peak times or if updating bank information.
- A 15-day verification period applies when adding or changing bank details.
Manage your savings
on the go.
With the READYSAVE 529 app, you can track your account, make contributions, and more—right from your mobile device.
Insights and information to guide your journey.
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Gifts to an NY 529 won’t lose their shine.
If you’re lucky enough to have family members who tend to write checks or send gift cards on holidays and special occasions, you may want to talk to them about how they can have an even bigger impact on your child’s future.
NY 529 Direct Plan can make saving for college easier - even when money is tight.
When the market is going up and down, and you’re wondering what that means for your budget, it is tempting to put off saving for college. Of course you want the best for your children, but it’s hard to save for future plans when current needs are so pressing.
What college really costs–and how much should you save?
There’s no getting around it. College is expensive. It may, however, cost less than you think.
Have questions? We’re here to help.
Whether you’re just getting started or need guidance on your existing plan, our education savings specialists are ready to help. Reach out by phone, email, or mail—we’re here to make saving simpler.
Email Us:
For New York employers:
Find out more about what NY’s 529 Direct Plan can offer you and your employees. Call us at 800-420-8580 on business days between 8 a.m. and 8 p.m. Eastern time.
Email us: employer@nysaves.org
Event request: Complete the Event Request Form
Please note, we are unable to provide account-specific information or process monetary or clerical transactions via email. For assistance with these items, please log in to your account or call 877-NYSAVES (877-697-2837). For your protection, please do not include your account number or any personally identifiable information in your email, as this is not a secure channel. You may review other ways to safeguard your own information by clicking the Security link at the bottom of this page.