Utah runs a really good college saving program. That's the one we use. The money grows tax free. And it can be taken out by the contributor anytime if circumstances change, as long as taxes are paid on the gain (I think). Your parents can put money in there too.
I was reading something about John Robert's (now Chief Justice Robert's) financial disclosures, and he uses the Utah program. Confirmed how smart I am 
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We will stay the course. [8/30/06]
We will stay the course, we will complete the job in Iraq. [8/4/05]
We will stay the course *** We’re just going to stay the course. [12/15/03]
And my message today to those in Iraq is: We’ll stay the course. [4/13/04]
And that’s why we’re going to stay the course in Iraq. [4/16/04]
And so we’ve got tough action in Iraq. But we will stay the course. [4/5/04]
Well, hey, listen, we’ve never been “stay the course” [10/21/06]
--- George W. Bush, President of the United States of America
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