It pays to stay in your plan until maturity! Remain in the CSTTM Advantage Plan until maturity (typically when your beneficiary turns 18) and you will receive 50% of your sales charges as a Sales Charge Refund. This eligible Sales Charge Refund will be paid to the Beneficiary as part of each of their 4 Education Assistance Payments (EAPs). If you transfer your plan to a Family or Individual Savings Plan, you may be eligible to receive up to 25% of the sales charges paid in the CSTTM Advantage Plan.