The Tennessee Investments Preparing Scholars (TIPS) program was created to encourage families of all income levels to save for the growing costs associated with post-secondary education. Here's how it works... 

4-to-1 Match

A program of the Tennessee Treasury Department, TIPS is a matching grant program offering incentives to participate in the TNStars® College Savings 529 Program to Tennessee residents meeting certain household income requirements. When a qualifying family establishes a TNStars® account and enrolls a beneficiary in the TIPS program, the state will provide a 4-to-1 matching contribution. That’s $100 for every $25 contributed by the account holder. Beneficiaries can receive a maximum match of $500 per year for up to three years.

If you are a Tennessee resident and your income does not exceed the limits below, you may qualify for a 4-to-1 match for college savings.

2018 Total Federal Adjusted Gross Income*

Persons in a Family or Household: 

1 = $30,150
2 = $40,600
3 = $51,050
4 = $61,500
5 = $71,950
6 = $82,400
7 = $92,850
8 = $103,300

For family units of more than eight (8) members, add $4,180 for each additional person.

*Beginning in January 1, 2019 through June 30, 2019, TIPS applicants may submit the 2018 tax return with the TIPS program application.

Get Started Today!

  1. Open a TNStars® account with a minimum contribution of $25.
  2. Complete the TIPS application, which you can find below.
  3. Submit a tax return or transcript for each income earner in the household.


TIPS Forms

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