Have you heard about Upromise? I'm doing this for my kids (They are a lot younger). You can sign up your credit cards and store saving cards(Kroger, CVS, Ingles,etc.). When you use that particular card and buy certain products it adds money into your online account for college. It's not much but if you have to buy stuff anyways,why not save for college at the same time? The promotional code is ELM3. This code adds $3 into your account. The program is free. www.upromise.com