Private school, other religious
Lutheran Church & School of Messiah
Grand Junction, CO · Grades PK to 8 · 55 students
Can a 529 pay for Lutheran Church & School of Messiah?
Yes. Federal law lets a 529 plan pay tuition at a private, public or religious elementary or secondary school, up to $20,000 a year per student. Lutheran Church & School of Messiah is a private school serving grades pk to 8, so its tuition is the kind of cost this covers.
What a 529 can pay
- Tuition, up to $20,000 a year per student
- Curriculum, books and instructional materials
- Tutoring and classes outside the home
- Fees for SAT, ACT, AP and other exams
- Online educational materials
- Educational therapies for a student with a disability
What it can’t
- Registration, application and building fees
- Activity, field trip and technology fees
- Uniforms, sports and extracurriculars
- School meals and transportation
- Aftercare and summer camps
Ask Lutheran Church & School of Messiah which of its charges are billed as tuition. Fees added to a tuition bill are not always covered.
What Colorado does with it
The tax rule is your state of residence’s, so this applies if you live in Colorado.
Colorado does not follow the federal K-12 rule
Colorado does not treat K-12 withdrawals from a 529 as qualified. The earnings part is generally taxed as Colorado income, and a Colorado deduction you took for contributing may be taken back. Federally the withdrawal can still be tax-free, so the question is whether the benefit is worth the state tax.
General information, not tax advice. Source: Saving for College, which states conform to federal 529 law (Jan. 2026). How it works
Plan and track Lutheran Church & School of Messiah costs
Add this school to a free plan, see how it fits with college savings, and log each tuition bill, book and test fee so it is checked against the rules and ready for tax time.
More private schools in Grand Junction
- Bookcliff Christian SchoolGrades PK to 5
- Holy Family Catholic SchoolGrades PK to 8
- Intermountain Adventist AcademyGrades K to 8
- Landmark Baptist SchoolGrades K to 12
- Life AcademyGrades PK to 12
- Pear Park Baptist SchoolGrades PK to 12
School details: Grand Junction, CO · Private (other religious) · Grades PK to 8. Source: U.S. Department of Education, National Center for Education Statistics (2021-22). General information, not tax advice.