Credential Programs

What’s covered?

Tuition and required fees for credential programs

Required books, study materials, and software for the program

Continuing education costs needed to renew a credential

Testing fees to earn or maintain a certification or license

What programs qualify?

Qualified program expenses include:

Credentials and programs recognized under the Workforce Innovation and Opportunity Act (WIOA)

Certificates from registered apprenticeship programs

Licenses issued or recognized by state or federal agencies

Credentials approved by national credentialing organizations

Programs for members of the Armed Forces through Credentialing Opportunities On-Line (COOL) or the Web Enabled Approval Management System (WEAMS)

For more information on how to use your 529 account for credentialing expenses, read the article 6 Ways to Use Your 529 Account for Expanded Purposes.

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Credential program FAQs

What counts as a recognized postsecondary credential for 529 purposes?

A recognized postsecondary credential generally includes industry recognized certificates, approved apprenticeship completions, occupational or professional licenses issued or recognized by a state or federal agency, and credentials authorized under WIOA. Because eligibility can vary, customers should consult a tax or financial professional to confirm whether a specific credential qualifies. As the IRS releases additional guidance, we will update our materials.

Is there a limit on how much I can use for a credential expense?

No. There is no dollar limit on the amount you can use for eligible credential expenses.

Are books, supplies, or exam fees for a credential covered?

Yes, if the materials or exam fees are required to obtain the recognized postsecondary credential. Optional study guides or prep courses that are not required may not qualify.

Can I use my 529 account for multiple credentials or certifications?

Yes. You can use your account for more than one eligible credential as long as each credential meets federal requirements for recognized postsecondary credentials.