'Never too young' when it comes to college funds.(Brief Article)

Congratulations! It's a boy. Now, how do you plan on paying for his college education? With the diaper changes and hourly feedings, who has time to think about a newborn's college career? Yet, the day he is born, that baby is eligible to start contributing to educational savings.

Why start saving for college before a baby can actually walk or talk?

If the past is any indication of the future, college costs will increase while salaries remain relatively stable. According to Texas Tomorro Fund information, the cost of college tuition and fees in Texas have increased 460 percent since 1985.

Few families can keep up with the pace of these rising costs. Banks and individual states offer financial options to secure a child's college future. The Texas Tomorrow Fund, 529 plans, custodian account and the …