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A college education or vocational training can be a key factor in determining a person's future opportunity. College graduates make more income and are more likely to hold jobs that provide critical wealth building benefits, including retirement savings and healthcare. Unfortunately, access to education is not equal. Children's Savings Account (CSA) programs can and should be a key tool in expanding access to college. A CSA is a savings account for a child, opened at birth or at an early developmental stage, and is often intended to be used towards post-secondary education.