Private school, catholic

St. Mary's Academy

Englewood, CO · Grades PK to 12 · 666 students

Can a 529 pay for St. Mary's Academy?

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. St. Mary's Academy is a private school serving grades pk to 12, 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 St. Mary's Academy 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 St. Mary's Academy 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 Englewood

School details: Englewood, CO · Private (Catholic) · Grades PK to 12. Source: U.S. Department of Education, National Center for Education Statistics (2021-22). General information, not tax advice.