April 15 is the deadline to enroll in Kentucky's Affordable Prepaid Tuition, or KAPT, program.

        Another enrollment period will be held in the fall, said Kentucky State Treasurer Jonathan Miller.

        The father of two daughters ages 7 and 5, Mr. Miller implemented the program last fall as a way to help parents save money to pay for their children's college tuition.

        “KAPT makes it easier for families to afford college by guaranteeing, or capping, the cost at today's prices,” said Mr. Miller, a Lexington Democrat.

        Money is invested on a schedule reflecting current tuition rates at public and private colleges and universities. Earnings from the investments are exempt from state and federal taxes.

        Benefits can be used at any institution of higher education in the country. But payment of full tuition and fees is guaranteed at any public college or university in Kentucky.

        The amount that must be invested is determined when an account is opened, based on the child's age. For example, if a parent opened a KAPT account for a child born this year, with the desire to enroll that child in a two-year junior college or community-college program in 2020, the cost would be $26 a month.

        Putting the same child in a four-year state university in 2020would cost $132.60 per month; savings under the plan for average tuition to a four-year private college would be $413 per month.

        Nineteen other states offer similar programs, including Ohio, but KAPT offers one of the most flexible plans.

        Consumers can invest in one of three plans:

        • Value plan. Covers tuition at most of Kentucky's community and technical schools.

        • Standard plan. Covers tuition at Kentucky's four-year public colleges and universities.

        • Premium plan. Covers the average price of tuition at Kentucky's private colleges.

        Details are on the KAPT Web site, www.getKAPT.com, or call (888) 919-KAPT.

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