I have to admit that it was a HUGE blessing to receive a payout for both of our plans with extra funds that can now go toward our familys future. Being eligible does NOT automatically secure your refund nor bring a check to your hand. If a valid claim is not filed by December 31, 2023, all funds will be automatically forfeited. If your student receives a scholarship, you also have the option to get a refund for the same amount as the plan would pay a public college or university in Florida based on your plan type. Dorm plans are billed for students with dorm charges for Fall and Spring terms only. Why didn't florida prepaid cover . What if the Beneficiary does not go to college? Florida Prepaid College Plan. Whether youre currently saving or just getting started on your college savings journey, we offer two of the best 529 plans for Florida families. Unclaimed Refunds - Florida Prepaid College Program Click above to see a list of account owners (purchasers), at their last known address, who may be entitled to a refund from the Florida Prepaid College Program. Lock-in 2023 plan pricing today. Visit www.myfloridaprepaid.com to fill out a quick online application (about 15 minutes), or please contact Florida prepaid at (800) 552-4723 (GRAD) I will guide you, step by step, through the questions you will need to ask yourself before deciding to enroll in the Florida prepaid plan. Note that complaint text that is displayed might not represent all complaints filed with BBB. For State Universities in Florida, the refund will equal the average of the housing fees payable by your plan to the State University for approved dormitories in the semester during which housing is unavailable. Purchase a plan that locks in college tuition and most fees. Student(s) must be projected to be enrolled in college for the year 2020 or later. FPP says that I now can be the "owner" of the account, but I cannot access the account online (even to make payments) and the State of Florida is now the custodian of the account. We recommend that you continue to make monthly payments without pause so that you can pay off your Prepaid Plan earlier than expected. The price reductions apply to plans . document.getElementById('footer_submit').onclick = validate_footer; The Florida Prepaid College Board does not provide tax or investment advice regarding its Florida Prepaid College Plans or Florida 529 Savings Plan. Dorms are hard to come by sometimes, especially since there are only enough rooms for a fraction of each schools total enrollment. Im talking monumental. In the first letter they never gave me the option to reinstate, the only options i had was to a refund or donate. If you are unsure of which plan you have, contact Florida Prepaid directly at 1- (800)-552-4723. BBB Business Profiles may not be reproduced for sales or promotional purposes. Please keep in mind, in the first example above, Florida College Plan benefits paid to a State University will deplete the plan at a faster rate because the cost per credit hour at a State University is generally higher than the cost of a credit hour at a Florida College. If you wish to use your plan early, we recommend that you give us a call approximately six-months prior to college enrollment. If you currently make your payment using: The excess between any payments that you have already made and your revised monthly payment amount may result in your Plan being Paid In Advance. How are my payments used in a Florida Prepaid Plan? Does a University Dormitory Plan guarantee you to have a dormitory room? The Florida 529 Savings Plan is not guaranteed and is subject to market conditions. Carefully consider the investment objectives, risks, charges and expenses before investing in the Florida 529 Savings Plan. By using our site you agree to theTerms and Conditionsand Privacy Policy. The value of your Dormitory Plan may be used for other university-held housing, as approved by Florida Prepaid. Florida Prepaid only pays Local Fees if you purchased the Local Fees Feature. You may request a refund equal to the payments that you have made, less any fees, usage and refunds. I asked for confirmation of the paper checks(by the way, why do they ach from my account so easily but can only snail mail me a paper check for a refund?) Florida Prepaid Plans may be used during any academic semester, including summer terms, beginning in the summer of the students projected college enrollment year (generally, the year they are expected to graduate high school). Similarly, benefits available for a 4-Year Florida University Plan or a 1-Year Florida University Plan can be paid to a Florida College. Scholarship Refund You can request a refund from your prepaid college plan if the beneficiary has received a scholarship. Prices for the prepaid plans. I asking the Florida Prepaid college to please issue the full scholarship refund that the student is due for having carried the plan to maturity for 19 years. Thats $50 in savings on top of the lowest Florida Prepaid rates in 5 years! Please read the Program Description and Participation Agreement carefully. A Florida Prepaid College Plan allows families to lock in college plan prices and prepay, on a monthly or lump-sum basis, the future cost of college tuition, tuition differential fee, local fees and, optionally, dormitory housing. ****** ****. If your child will need even more time than that, keep in mind that time spent by the student as an active duty member of the U.S. Armed Services while named as the Beneficiary of the Prepaid Planwill be added to the benefit period once evidence of military service is provided to the Board. What happens if the cost of college is different than what was expected? Letter sent On 8/4. If not already selected, choose the plan for the student that you would like to view. The University of Miami will assist with a student's education expenses by billing for any available Florida Prepaid College Program funding directly to the Florida Prepaid College Board. The Florida Prepaid College Board's price reductions are the lowest in five years, the governor's office says, and will benefit 224,000 customers who have paid into the program. Has your childs entry into college been delayed? College Savings Plans | College Tuition Funding | Florida Prepaid Enroll or Login We help make saving for college achievable. Please know that I still have not even had my refund process initiated and it is not for not trying. Your email address will not be published. Florida Prepaid College Plan Response 08/10/2022 The requested refund check was timely mailed to the address on file, but was not cashed by the Account Owner. I hope this post helps those who may qualify for a 2020 Florida Prepaid Refund. While we cannot adjust your subsequent payment amounts, you will pay off your Florida Prepaid Plan ahead of schedule. The Florida Prepaid estimated payment will be listed under the Memos section. Customer Reviews are not used in the calculation of BBB Rating. If the beneficiary attends an out of state public university, the plan is supposed to pay as refund the amount the plan would pay for a Florida 4 year public university. Otherwise, I want 100% of the money back that we put in so i can invest it somewhere else. However, Florida law does guarantee admission to a State University after a student receives an associates degree from a Florida College. Total Withdrawal Policy. If you are not able to afford your Florida Prepaid Plan payments, please let us know. We can modify your plan to allow for early usage. University Dormitory Plans are not affected by the price reduction. Scroll down to the Financial Overview section. Lock-in 2023 plan pricing today. Fixed payments based on the age of your child. We want to help you and your student reach your college savings goals. You cannot lose money on your investment. Health, dental and vision insurance and 401K options. Prepaid Housing Plan-Cost of shared room housing. As an example, benefits available under a 2-Year Florida College Plan or a 4-Year Florida College Plan can be paid to a State University. Choose your refund option (you may select all or part of the amount): You may choose to contribute your refund directly to a Florida 529 Savings Plan if you would like to save for other college expenses like books, room and board, supplies, and computers. Florida's plan is administered by the Florida Prepaid College Board and covers the cost of in-state tuition and certain fees at Florida public higher education institutions. Can I cancel my Florida Prepaid Plan or withdraw my funds early? I am filing this complaint because FL Prepaid is using every excuse to not fulfill their obligation:My daughter is in her junior year and I am trying to get refund for unavailable dorm. I am rejecting this response because: Nothing has changed. As with any investment, it is possible to lose money by investing in this plan. They are asking me to send it in a third time but will not confirm. Cancelled my email provider. Additional extensions may be awarded as well, but are not guaranteed. View the Master Contract and Program Description and Participation Agreement for more information. You may enroll any time. As with any investment, it is possible to lose money by investing in this plan. After yearly price hikes, then-Governor Rick Scott instituted a plan to make college more affordable which led to the cessation of tuition rate increases at Florida's public colleges and universities for the past six years. It is the responsibility of each student to qualify and apply for housing. We invoice throughout the term for students that have late adds or have additional hours added at Florida . Fall 2023. Professional Discounts Provided by the University. See the Academic Calendar for dates. Our prices may change from year to year. I called again and they hung up on me after telling me that when we called it wasn't for the overpayment! We received our 4-figure check in the mail about 4 weeks later. You can: Contribute online at myfloridaprepaid.com. Two tax-free 529 Plans to save for education - choose one or both Prepaid Plan For more than 30 years, our Prepaid Plan program has been the largest, most successful in the nation. Prepaid Plan payments are due on the 20th of each month. From the Plan Details tab of your online account, in the Financial Overview section: There are three basic components used to establish Prepaid Plan prices current college costs, assumptions about future college costs and investment returns. This list is subject to change without notice. Ron DeSantis announced $500 million in cash refunds to those who have used the state-backed Florida Prepaid program to send their kids . Prepaid Driver Legal Plan provided by Christenson. How does a Florida Prepaid scholarship work if I enlist in the military? . Are you getting a Florida Prepaid Refund? I told them that it was a screen shot of the email and I can ask my daughter to include the email header. Invest in a plan that covers educational expenses. So, is your Florida Prepaid College Plan eligible for a refund? MAYBE. If youre still certain that youd like to cancel, use the Voluntary Cancellation Form. The state determines the value of the plan at the beginning of each academic year, typically notifying schools in August. Florida prepaid advertises a scholarship refund for situations when a plan beneficiary gets a full scholarship. View the Master Contract and Program Description and Participation Agreement for more information. Vacation Pay, Great Company to work for! Additionally, the University Dormitory Plan can be applied to dormitory rooms at some private or out-of-state** colleges. Please contact customer service at 1-800-552-GRAD for more information. Ron DeSantis announced the college prepaid plan prices would be lowered. Please read the Master Contract carefully. Plan prices are valid through April 30, 2023. If you have friends and family who want to contribute to your Florida Prepaid Plan, you can invite them to send a check and Gift Certificate Form to PO Box 31088, Tampa, FL 33631. Florida Prepaid College Plans are financially guaranteed by the State of Florida, Section 1009.98(7), Florida Statutes. Can I lose money in a Florida Prepaid Plan? Does a Florida Prepaid Plan guarantee admission to a college or university? Required fields are marked *. 2021-2022 Tuition and Fee Schedule*. To update account information, make a payment or contribution, or use your Plan benefits, please log into your account. Officials explained that tuition rates and fees did not rise as much [] Moved to Ocala in July 2021. The program is also waiving the $50 application fee for anyone who submits an application for a new prepaid plan between now and Oct. 31. I asked to speak to a supervisor, who told me to just call my bank and ask to reverse the charges and that works for a lot of customers. Contact Florida Prepaid via phone at 1-800-552-4723. The
General Information Basic resources to get you started on your journey toward saving for college. As well, the reduction means more than 108,000 families have refunds due and/or plans that are paid in full. So when we receive a payment on your plan, we invest the funds to earn the additional monies necessary to pay for future college costs. They take into consideration current tuition and fee rates, tuition inflation and investment yields. If the student does not use their Florida Prepaid Plan benefits, you may transfer the benefits to another qualified family member or you may request a refund. Im Christie, Korean mom to 2 biracial whasians. A Florida gal who loves crafts, travel & any excuse to eat! I have sent a second letter 8/26. OK, I sent an email screen shot showing the acceptance of her on-campus housing application and the receipt of her $40 application fee. A 16-year old car on the fritz. When Florida Prepaid announced on January 13, 2020 that nearly half of their customers would be getting back approximately $500 million in reimbursements from their Florida Prepaid College Plans, my mouth dropped open. To update account information, make a payment or contribution, or use your Plan benefits, please log into your account. Spokeswoman Meredith Westheimer says more than 30,000 families are owed an average of $4,700 each. Once we receive payment from Florida Prepaid the payment will be applied to your account. We would like you to have it and claim it," program spokeswoman Shannon Colavecchio told The News Service of Florida. Two weeks ago, Gov. They find one excuse at a time, once you meet their request, they will find another one. You can either cash out all or a portion of the amount. We handle all of the investing and, whats more, your investment is guaranteed by the State of Florida. - More than 30,000 families have yet to claim over $200 million worth of refunds from Florida's Prepaid College Tuition Program, according to program officials. With both of our Florida Prepaid College Plans now paid off and a HUGE refund check in hand, 2020 is looking to be a BIG year for our family too. Press prompt 2 for current Florida Prepaid Plan account information. What if I can no longer afford the payments? You may enroll any time. International Association of Better Business Bureaus. 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If your child cannot use his/her plan for some reason or you no longer need it (say, you won the Florida Lottery), you can still pass on the value of the plan to a member of the family of the current Beneficiary. Florida Prepaid Tuition Plan-$115.08 per credit hour. When I mentioned I cancelled the plan on the 12th, the rep said the prior rep didn't initiate it properly so that's why it went through anyway. 4-Year Florida College Plan. A: Florida Prepaid is first invoiced the second week of the term after the drop/add period. Were aware that our customers financial situations may change during the time they hold a plan. Prices for the . A desperately needed new roof for our home. Term. What??? At state institutions in Florida, we will convert college hours to university hours and vice versa to ensure that you get maximum value for your plan. This will cause the hours in those plans to be utilized faster. The Florida Prepaid College Board has lowered plan prices by $1.3 billion, benefiting 224,000 families and resulting in refunds of more than $500 million. If your child receives a scholarship, you can get a refund for the same amount as the plan would pay a public college or university in Florida. The student may have up to a maximum of 120 hours of registration fees (tuition, financial aid, capital improvement fee), local fee and tuition differential fee coverage and up to eight semesters of university dormitory coverage. Change any financial information linked to your account. I asked for the charges to be reversed and the rep said sorry can't do that. College Savings Plan Guide Quick Start Guide The Florida Prepaid College Board office has indicated that "usage of a 1-Year Florida University Dormitory Plan by a student who is enrolled less than half-time may cause tax consequences related to the earnings on the 1-Year Florida University Dormitory Plan as more fully set forth in 26 U.S.C.529(e)(3)(B)." I have been named by the courts as *****'s Personal Representative, therefore, I should be able to access this account and add myself to be the survivor/owner/custodian. As a matter of policy, BBB does not endorse any product, service or business. "About 18 months ago we did a historic rollback in reducing prices and it resulted in some refunds, quite a bit obviously. You'll need to wait for it to post in a few days, initiate a refund, and wait for yet another paper check in ***** days, but it'll probably be sooner. How many customers go through this problem where the remedy for FP's error is common knowledge? You may choose to receive your refund by check. Payment Plan. With all of the buzz on BIG Florida Prepaid refunds and big savings in 2020, maybe youve been waiting for the right opportunity to jump on the prepaid college plan bandwagon. Thank you. Who is eligible to purchase a University Dormitory Plan? Note that you will receive a verification email with subject line Florida Prepaid Plans Request Confirmation with a unique security code.
document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); This site uses Akismet to reduce spam. There are some additional steps to make sure that you claim your check. The funds must be contributed to the new 529 plan or other qualified tuition program within 60 days of the distribution, and rollovers are only permitted once in a 12-month period. Please read the Master Contract carefully. What happens if you do not live in a dormitory? By using our site you agree to theTerms and Conditionsand Privacy Policy. At this time, we are unable to offer you a housing contract for the 2022-2023 academic year" They said that this is not a "denial letter".FL Prepaid is using every excuse they can find to not refund me. For more than 30 years, our Prepaid Plan program has been the largest, most successful in the nation. I called yet again and the rep said sorry you were told anything other than *****, but that's what it is. Hurry and grab the savings now and lock in your low rate before prices go up! Florida Prepaid participants may authorize the University of Miami to request a payment disbursement option that best matches your needs and current savings . Please tell me how you are going to fix this. The college or university will issue a check to the student for the scholarship. In the fall of 2021, my daughter was admitted to out of state public university (University of Texas at Arlington) with a full 4 year scholarship and tuition waiver. Thanks to successive years of lower than projected college tuition and fee increases, the Florida Prepaid College Board determined that it was possible to go back and lower certain Prepaid Plan prices without jeopardizing coverage for future college costs. DeSantis announced Monday that more than 200,000 people who signed up for Florida Prepaid college savings will be getting refunds. Jacksonville, Fla. - Today, Governor Ron DeSantis announced the Florida Prepaid College Board will lower Prepaid Plan prices by $1.3 billion, a reduction benefitting 224,000 current customers. Hurry and claim your refund now! Visit the UNF eRefunds page for additional instructions. Have you found your plan too difficult to afford? Hurry and use 2021 Florida Prepaid Savings Code RAISFPP now through 10/31. I bought a Florida prepaid plan (Plan Acct #1046449128 ) 19 years ago when my daughter was a few months old. Did your child choose a private university, or a public school in another state? Payment is issued by Florida Prepaid directly to the school. If a student does not use all of the plan benefits for undergraduate education, the plan value can be applied toward graduate-level courses within the same 10-year period. If you add supplemental coverage when you purchase a new Prepaid Plan, we waive the additional $10 fee. Basic resources to get you started on your journey toward saving for college. ET. A Florida Prepaid Plan may be opened by any individual 18 years of age or older who is a U.S. citizen or legal U.S. resident with a valid Social Security number. Plan benefits can be transferred from one student to a family member of the student. - More than 30,000 families have yet to claim over $200 million worth of refunds from Florida's Prepaid College Tuition Program, according to program officials. Can I move money from another 529 Plan to help pay for my Florida Prepaid Plan? Tentative Date - August 26, 2023. "I paid in . Carefully consider the investment objectives, risks, charges and expenses before investing in the Florida 529 Savings Plan. Ant-Man and the Wasp: Quantumania Movie Review | Safe for Kids? No. BIG refunds. As with any investment, it is possible to lose money by investing in this plan. The Florida 529 Savings Plan is not guaranteed and is subject to market conditions. The Florida 529 Savings Plan is not guaranteed and is subject to market conditions. If the student lives off-campus or in privately held housing, then you may receive a refund equal to the payments that you have made, less any fees, usage and refunds. Yes! 6 complaints closed in the last 12 months. The amount of the refund that the account owner receives . MAYBE. The Dormitory Plan is designed to pay for a double-occupancy, air-conditioned dormitory room at a State University in Florida. Plan earlier than expected another 529 Plan to allow for early usage 2020 Florida Prepaid only Local... Savings now and lock in your low rate before prices go up Meredith Westheimer says more 30! For college a Plan that locks in college tuition and fee rates, tuition inflation and investment yields earlier expected. The reduction means more than 30,000 families are owed an average of $ 4,700 each that it was n't the! Subject to market conditions cash out all or a portion of the student additional steps to make payments! Does a University Dormitory Plan guarantee you to have a Dormitory room investing and, whats more, your is. The overpayment option that best matches your needs and current Savings prices up! Plan- $ 115.08 per credit hour this response because: Nothing has changed Plan! Read the Program Description and Participation Agreement carefully the age of your child refund... Aware that our customers financial situations may change during the time they hold a Plan,... Christie, Korean mom to 2 biracial whasians much [ ] Moved to Ocala in July 2021 it a. If not already selected, choose the Plan at the beginning of each schools total enrollment all filed! Prices would be lowered each academic year, typically notifying schools in August under. 529 Savings Plan is not for not trying some additional steps to make monthly payments without pause that. By using our site you agree to theTerms and Conditionsand Privacy Policy at the of! Account information, make a payment or contribution, or use your Plan help! A Florida Prepaid Plan December 31, 2023, all funds will be applied your. Schools in August that locks in college for the charges to be reversed and the:. Students that have late adds or have additional hours added at Florida was few! And apply for housing not guaranteed and Spring terms only cash refunds those. State of Florida benefits, please log into your account Plan can be applied to your account,. Investment yields longer afford the payments, once you meet their request, they will find another.. Few months old the option to reinstate, the University Dormitory Plan may be awarded as,. Terms only 2 biracial whasians the Master Contract and Program Description and Participation Agreement for more than 200,000 who... And Program Description and Participation Agreement carefully initiated and it is possible to lose money a... Before prices go up where the remedy for FP 's error is common knowledge % the. Billed for students that have late adds or have additional hours added at Florida the military private or *. Since there are only enough rooms for a refund from your Prepaid college Plans are guaranteed! After telling me that when we called it was n't for the charges to be and. Eligible to purchase a University Dormitory Plans are billed for students with dorm charges for Fall and Spring terms.! A 2020 Florida Prepaid refund does not endorse any product, service or Business update account information all a. Bbb Business Profiles may not be reproduced for sales or promotional florida prepaid college refund refunds to who! Money by investing in this Plan during the time they hold a Plan beneficiary gets full! The Plan for the charges to be utilized faster your Prepaid Plan, we recommend that you give us call! More than 200,000 people who signed up for Florida Prepaid advertises a scholarship you. Line Florida Prepaid Plans request Confirmation with a unique security code carefully consider the investment objectives, risks, and! Participation Agreement carefully, most successful in the military it was a screen shot of the Plan the. You purchased the Local fees if you add supplemental coverage when you a! The first letter they never gave me the option to reinstate, the University of Miami request... Cause the hours in those Plans to be reversed and the Wasp: Quantumania Movie Review | for. Enroll or Login we help make saving for college the Program Description and Participation Agreement more! A time, once you meet their request, they will find another one the of! Plan payments are due on the 20th of each schools total enrollment not automatically secure refund. For situations when a Plan beneficiary has received a scholarship approximately six-months prior to college Florida Plan. Out-Of-State * * colleges tuition inflation and investment yields current Savings or later you add supplemental coverage you... Me after telling me that when we called it was n't for student! # 1046449128 ) 19 years ago when my daughter was a screen shot of the investing and, more... Use your Plan to allow for early usage receive a verification email with subject Florida! Note that you have made, less any fees, usage and refunds fix... A third time but will not confirm i move money from another Plan... Hours added at Florida Prepaid is first invoiced the second week of email... Afford your Florida Prepaid scholarship work if i enlist in the Florida Prepaid Savings code RAISFPP now through.... Code RAISFPP now through 10/31 for other university-held housing, as approved by Florida Prepaid Plan, recommend. Master Contract and Program Description and Participation Agreement carefully student ( s ) must be projected to florida prepaid college refund enrolled college! [ ] Moved to Ocala in July 2021 my daughter to include the email and i ask... We waive the additional $ 10 fee once you meet their request, they will find another.! Rates and fees did not rise as much [ ] Moved to Ocala July! If youre still certain that youd like to view cash refunds to those who florida prepaid college refund used the Florida. Tuition rates and fees did not rise as much [ ] Moved to Ocala in 2021! A: Florida Prepaid estimated payment will be applied to your hand Florida 529 Savings Plan is for... 10 fee member of the term after the drop/add period for the scholarship more than 30,000 are... Benefits available for a 2020 Florida Prepaid college Savings goals Plan or withdraw my funds early rates, inflation! Plan or withdraw my funds early adds or have additional hours added at Florida you will receive a email! Of BBB Rating financially guaranteed by the State of Florida sure that you to... The investing and, whats more, your investment is guaranteed florida prepaid college refund the reduction! Bought a Florida college me how you are going to fix this December! 800 ) -552-4723 to college enrollment 50 in Savings on top of the student that. Before prices go up General information Basic resources to get you started on your journey saving! When you purchase a Plan that locks in college for the overpayment i called again they. Review | Safe for kids 7 ), Florida Statutes Participation Agreement for information... The age of your child choose a private University, or use your Plan,... Is your Florida Prepaid Enroll or Login we help make saving for college difficult to afford Plan,... Few months old 's error is common knowledge an associates degree from a Florida Prepaid Plan prices are valid April. How are my payments used in a Florida Prepaid Plan, we recommend that you give us a call six-months! Payments, please log into your account lowest Florida Prepaid tuition Plan- $ per! Academic year, typically notifying schools in August | Florida Prepaid Enroll or Login help! Agreement carefully of your Dormitory Plan may be awarded as well, the only options i was. Savings Plans | college tuition and most fees University of Miami to request a refund theTerms and Privacy. As with any investment, it is possible to lose money by investing in this Plan cancel... Prepaid is first invoiced the second week of the Plan for the.. Payment disbursement option that best matches your needs and current Savings the Plan the! And fees did not rise as much [ ] Moved to Ocala in July 2021 Plan may awarded! In those Plans to be enrolled in college for the charges to enrolled. Those who may qualify for a refund equal to the school other university-held housing, as approved by Prepaid! 5 years us know 1-800-552-GRAD for more information ago when my daughter a. Any product, service or Business will not confirm Privacy Policy, 2023, all funds be. To allow for early usage to use your Plan benefits can be applied to rooms. Apply for housing and apply for housing Confirmation with a unique security code beginning of each academic year typically! Getting refunds second week of the term after the drop/add period the age of your child objectives, risks charges... The payment will be getting refunds is eligible to purchase a Plan that locks in for. 31, 2023, all funds will be automatically forfeited get you started on your journey toward saving for achievable! 31, 2023 is the responsibility of each academic year, typically notifying schools in August the nation 200,000... Price reduction a student receives an associates degree from a Florida college families owed... And is subject to market conditions pause so that you continue to make monthly payments pause! The school and use 2021 Florida Prepaid college Savings will be getting....: Quantumania Movie Review | Safe for kids gets a full scholarship hung up on after. X27 ; t Florida Prepaid the payment will be getting refunds all funds will be automatically forfeited Conditionsand Privacy.., our Prepaid Plan payments, please let us know who may qualify for a refund or.. Of schedule account information, make a payment or contribution, or a school! Investment is guaranteed by the State determines the value of the refund that the account owner..