If you have a CSTTM Advantage Plan or Group Saving Plan, your Beneficiary has until the 36th year of the plan to collect their remaining EAPs. Your beneficiary can even take a break between years of study and still qualify for their remaining payments. 

If, however, your beneficiary has enrolled in a 1- or 2-year program and doesn't plan on pursuing further studies, it is usually better for you to transfer to our Individual or Family Savings Plans to maximize the amount of money your beneficiary will receive. In order to make this type of transfer, we will need instructions prior to the end of the year in which your Beneficiary turns 20. 

If you have a Founders' Plan, you won't be able to access any other EAPs unless the Beneficiary goes back to school to show academic progress in order to collect their remaining payments. 

For additional information, please reach out to us at call 1-877-333-7377 or email us at cstplan@cst.org to discuss your options.