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Prepaid tuition programs can be somewhat restrictive in how they can be used. First, your beneficiary must attend an in-state institution, which means they're limited in where they can go. If they want to go to another school out of state, you can get your money back, but you lose out on any of the growth you've earned. I think planning for education well in advance can make the process extremely less painful. My brother now has a young boy and he has already started saving small amounts for his education so by the time he reaches his teens and head to post-secondary, a large chunk of the necessary funds will be in place. On the other hand, if you’re looking for a degree that will earn your more than just a skeptical side-eye from prospective employers, this is probably a bad way to go. In the United States, the Council for Higher Education Accreditation and the Department of Education provide lists of recognized accrediting agencies and institutions. The U.S. Department o