Morningstar looked at 529 college savings plans, basing its rating on quality of underlying investments, flexibility of investment options and clarity of program disclosure.

UESP has been among the best-rated programs since Morningstar began issuing ratings in 2004.

Here's why, according to the Utah System of Higher Education: UESP has no minimum deposits or balances, so families can save a little or a lot, according to their own schedules. UESP does not require funds to be used within the state of Utah, but does require that schools participate in federal student aid programs to be eligible. The plan offers favorable federal tax benefits, gift tax benefits, and, for Utah taxpayers, Utah state tax benefits and reduced fees.

For more information, call 1-800-418-2551 or visit www.uesp.org.