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Ohio. We live in Ohio and get tax savings for keeping it here, plus it is a generally well rated plan.

We had no tax advantage to doing in state (MA) so we chose Utah's plan. It was just one of the more highly rated ones I found. We opened it last August and so far are -$30. womp womp

@MoonMoon: Our account isn't actually negative, but we've lost 30 dollars from the market fluctuations. Sorry that wasn't clear!

I know overtime though it'll go back up. Right?

There's no tax advantage for doing an in-state plan in our state (NC). We compared OH, UT, NY, and one other one I can't remember, and ended up doing the NY plan.

No tax advantage here so we went with New York's Vanguard plan.

Utah educational savings plan. I don't live in a state with tax breaks, but Utah had the lowest fees at the time we started them up. I've been happy with them so far

We went with MA, though there's no huge advantage with it. My parents set up one for DS too and they did it in their home state, NY. I think there wasn't much advantage there either, but they liked that it was through Vanguard.

We live in CA so no tax advantage. We initially had New York's but DH changed it to NH's last year because it is actively managed. The account is with Fidelity and we switched to a Fidelity cash rewards Amex, which makes dumping extra money into the college account easy.

@Boogs: In general, DH is not a fan of 529s. We basically just have one because "we should." We put a little bit of money in it every month and any money DS receives as gifts (we're trying to get our relatives to stop sending us STUFF and just donate to college). Given that we have no idea what college will look like or cost in the future, DH feels its risky to dump a ton of money in this vehicle. (DH is a college professor and believes the current tuition/financial aid/loan model is untenable). He's MUCH more inclined to dump money into a Roth IRA for our son, since the principle can be pulled out tax/penalty free for any purpose, not just college AND those assets wont count against DS on a FAFSA. Anything that compounds or doesn't get used for college would just go towards growing DS' retirement accounts. DH runs his own law practice, so we'll probably put our son on payroll at some point, pay him something under the $6,000 annual reporting threshold and move all of the money into a Roth IRA.

@pinkcupcake: I'm in WA too, and have a GET account for my LO. We don't have that much in it, only 35 units, but they have stopped letting people purchase additional units or start new accounts until they figure out how to move forward -- there was a big shake-up recently related to the cost of tuition being reduced at the state universities. They have floated the idea of either converting GET to a 529 program or closing it down, grandfathering in already-funded accounts, and creating a new 529 going forward, but right now nobody knows what is going to happen. So GET isn't currently a viable option for putting money away for college.

We haven't figured out an alternate plan yet, and probably won't until we hear the decision on the future of GET. But we'd always planned to combine that and some other form of college savings, like a 529, because I always felt a little uncomfortable about having all our "eggs in one basket," so to speak.

@Truth Bombs: We are the only ones contributing to our account, unless we are depositing birthday gifts, but it would still be us handling it so that's okay with us!

I believe ours is Nevada (it's through Vanguard). We are in MA and get no benefit to staying in-state. DH researched them and decided which one sounded best. It's been fine so far. Really easy to manage.

We don't put all our LO's funds into the 529 though. I keep about half of them in a taxable investment fund that can eventually be used for anything.