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Kindergarten To College

Give the Gift of College to San Francisco Students

Helping families save early is the best way to ensure our kids have a chance at a successful college future. Studies show that a child with a college savings account is six-seven times more likely to attend college compared to one without.

In 2011, San Francisco launched the Kindergarten to College program. Today, every child entering kindergarten in San Francisco’s public schools automatically receives a college savings account. This year, over 22,000 children in San Francisco will have K2C college savings accounts, the majority of whom come from low-income families. The City opens the accounts and makes the first $50 deposit. Families can then start saving their own money for college. Families have already saved over $1.3 million of their own money for college and K2C has provided over $300,000 in match funds thanks to the generosity of our donors.

The K2C program encourages families to save by matching the first $100 of savings dollar for dollar, which comes from funds raised by the community. This fall, the City of San Francisco will be opening 4,500 new accounts – one for every new kindergarten student.

Dennis Chew, principal of Gordon Lau Elementary, speaks glowingly about the K2C program: “If the journey of a thousand miles begins with a single step, K2C helps kids take the first step [on their college journey].” Help start a child in San Francisco’s journey to college. Donate today.

Learn More About Kindergarten to College



Kindergarten to College operates in all 74 San Francisco Unified School District (SFUSD) public elementary schools.


Founded in 2010, Kindergarten to College (K2C) is the first publicly funded, universal children’s college savings account program in the United States. Through K2C, every child entering kindergarten in San Francisco’s public schools automatically receives a Children’s Savings Account (CSA) at Citibank, containing a $50 deposit from the City and County of San Francisco. Children enrolled in the national free and reduced-price lunch program receive an additional $50 deposit.

Once a child has an account, the program offers incentives for children, parents, friends, and extended family to save earlier and to save more. First, K2C provides a dollar-for-dollar match up to $100 for contributions to each child’s account. Second, K2C provides a $100 “Save Steady” bonus to families that save at least $10 for six months in a row. Foundations, community organizations, local businesses, and individuals are providing these generous saving incentives through their contributions to the 1:1 Fund and other avenues. Every dollar counts.

In addition to savings incentives, a second benefit of K2C is financial education. San Francisco public schools are integrating financial subjects into the K-12 math curriculum, with each child’s K2C account serving as a teaching tool. This will make San Francisco the first city in the nation to connect financial education with a real-life account.

Close to 65% of K2C's student savers are enrolled in the national free and reduced-price lunch program. The majority of K2C savers are from minority families - 36% Asian, 23% Hispanic/Latino, 22% White, and 11% African-American. In addition, more than one-third of kindergarten students are English language learners. K2C savers are approximately 50% male and 50% female.

K2C is an initiative of the San Francisco Mayor’s Office, the San Francisco Office of Financial Empowerment, the Department of Children, Youth, & Their Families and the San Francisco Unified School District, with support from CFED, EARN, the New America Foundation, and the San Francisco Foundation. Accounts are held at Citibank.

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