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MOST program

The MOST plan, overseen by the Missouri State Treasurer’s Office, is designed to help people save for the costs of education after high school. Currently, federal and Missouri tax benefits enhance the value of investing in the Program. In addition to federal tax-deferred growth, the MOST plan provides an annual state income tax deduction for contributions to MOST accounts of up to $8,000 per taxpayer. As long as withdrawals from MOST are used for the Beneficiary’s Qualified Higher Education Expenses, the distribution will not be subject to federal or Missouri income taxation.

The MOST plan offers several other key advantages to saving for college including minimum contributions as low as $15 through payroll deductions, no income limitations for participation, funds eligible for use at most higher education institutions in the U.S., and a choice of investment options through Vanguard and American Century Investments. Faculty and staff can set aside money for loved ones including children, grandchildren, nieces, nephews, spouses, or siblings.

To participate, enroll on-line at or complete a paper application form and mail it to Upromise Processing Center, P.O. Box 55496, Boston, MA 02205-5496. Submit a copy of MOST Employee Payroll Direct Deposit to the Payroll Office in Human Resources, Academic Hall, Room 012, MS 3150.

Interested faculty and staff may obtain detailed information, including the enrollment forms and deduction forms, by calling the Human ResourcesOffice at 651-2206, visiting the MOST website at or calling MOST toll-free at 1-888-414-MOST.

The University reserves the right to modify or terminate such plans at any time with or without notice. Participation in these plans is provided to eligible employees and does not constitute a guarantee of employment. Participation is subject to the terms and conditions specified in the plan documents.


Fax: 573.651.2108
Academic Hall Room 012
Office of Human Resources
One University Plaza, MS 3150
Cape Girardeau, Missouri 63701