This may still concern you that the plans are not 100% funded. But consider the country's public pension funds are only 76% funded.
Betty Lochner, vice chair of College Savings Plans Network, said the levels of funding on the plans in the survey are at ideal levels. In fact, Lochner said that having plans 100% funded is unnecessary due to the way these savings plans are structured.
Many families are turning to 529 plans because they see it as a great way to head off the rising costs of college tuition.
Each state has made there 529 plans able to withstand good and bad economies. The states have triggers in their plans to cover budget shortfalls and to keep the plans stable. Even if some unforeseen problems arise, the plan holders will never lose more than they have put into the plan.