[填空题]A college education is an investment in the future. But it can be a (36) investment. The College Board (37) that the costs at a four-year public college in the United States increased 10 percent this past school year. That was less than the (38) percent increase the year before, but still much higher than the (39) rate. Public colleges and universities still cost a lot less than private ones.
Financial aid omen helps. But financial (40) tell parents to start, college (41) plans when their child is still very young.
All 50 states and the District of Columbia (42) what are called 5-20-9 plans. These plans are named after the part of the federal tax law that created them in 1996. States use private investment companies to (43) most programs.
Every state has its own rules governing 5-20-9 plans. Some of the plans are free of state taxes. And all are free of federal taxes. (44)

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