What Changed
On July 4, 2025, the
Freedom to Invest in Tomorrow’s Workforce Act
was signed into law, expanding how Americans can use 529 education savings plans. For the first time, 529 funds can now be used for
professional credentialing - not just college tuition.
The NCPT Credential qualifies automatically because it is accredited by the National Commission for Certifying Agencies (NCCA)* - the standard the law uses to identify eligible credentials.
If your 529 plan has funds available, this benefit is available to you now.
*Search the
NCCA accredited program directory
for National Pilates Certification Program
How to Use Your 529 Plan
The process is straightforward. Your 529 plan administrator is your primary point of contact for the withdrawal mechanics.
1. Confirm your plan’s withdrawal process.
Contact your 529 plan administrator and ask how to withdraw funds for a qualified credentialing expense. Most plans require you to attest that the withdrawal is for a qualifying credential.
2. Complete your teacher training program.
Both the NCPT® and PMC require completion of an approved teacher training program before you are eligible to sit for the exam. Confirm your eligibility requirements at www.natpcp.org.
3. Apply for your NPCP exam.
Complete your exam application through the NPCP candidate portal at natpcp.org. Applications are valid for 90 days. For questions, contact Nena Garcia at [email protected].
4. Request your 529 withdrawal.
Use your 529 funds to cover the exam fee. Depending on your plan, funds may be paid directly to you for reimbursement or sent to the provider.
5. Keep your documentation.
Save your exam registration confirmation and payment receipt for your records and for any IRS reporting your plan may require.
6. Consult a tax advisor if needed.
Federal eligibility is clear, but some states have their own rules about how 529 withdrawals are treated for state income tax purposes. A tax advisor can help with your specific situation.
Why This Matters
NPCP is the only credentialing body for Pilates teachers accredited by the NCCA - the gold standard for professional credentialing in the United States. Earning an NPCP credential demonstrates a verified level of knowledge, skill, and professional competency that employers, clients, and the public can rely on.
529 plan eligibility means you can now apply tax-advantaged savings - money that grows tax-free and withdraws tax-free for qualified expenses - toward the credential that sets the standard in the Pilates profession.
If you are preparing to sit for the NCPT exam after a comprehensive training program, this benefit is available to you.
PLEASE NOTE
NPCP is a credentialing organization, not a tax advisor.
Because the NCPT certification is accredited by the National Commission for Certifying Agencies (NCCA), certain exam fees, study materials, and continuing education expenses may qualify for reimbursement through a 529 education savings plan under recent federal legislation.
Candidates should consult their 529 plan administrator and tax advisor regarding eligibility and documentation requirements.
Frequently Asked Questions
What is a 529 plan?
A 529 plan is a tax-advantaged savings account traditionally used for higher education. Contributions grow tax-free, and withdrawals for qualified expenses are also tax-free. A 2025 federal law expanded qualified expenses to include professional credentialing programs, including the NCPT.
What changed with 529 plans?
The Freedom to Invest in Tomorrow's Workforce Act, signed July 4, 2025, expanded 529 plans beyond college tuition to include qualified postsecondary credentialing programs. This means 529 funds can now be applied to professional certification exams and related expenses, including the NCPT.
Why does the NCPT qualify?
The NCPT qualifies because NPCP holds accreditation from the National Commission for Certifying Agencies (NCCA) - the standard the law uses to determine eligible credentials. Eligibility is automatic; no additional application is needed.
What NCPT expenses are 529-eligible?
Eligible expenses include:
- NCPT exam fee - $300 (US/Canada) or $405 (international)
- Exam preparation materials - study guides, practice exams, prep courses
- Renewal fees and continuing education credits (CECs) required to maintain your NCPT
Is the Pilates Mat Certificate (PMC) eligible?
No. Only the NCPT qualifies at this time.
Can a family member's 529 plan be used?
In many cases, yes. 529 plans often allow beneficiary changes, meaning a parent or grandparent may be able to redirect unused funds toward your NCPT® expenses. The specific rules depend on your plan and state, check with your plan administrator.
When does this take effect?
The law took effect July 4, 2025. Some state 529 plan platforms may need time to update their systems. Contact your plan administrator to confirm current availability.
Do I need to notify NPCP that I'm using 529 funds?
No. NPCP's standard exam registration and payment process applies regardless of how you fund your exam fee. The 529 withdrawal and any required attestation are handled entirely between you and your plan administrator.
What is the NCCA, and why does it matter?
The National Commission for Certifying Agencies (NCCA) is recognized as the gold standard for professional credentialing in the United States. NPCP's NCCA accreditation makes the NCPT one of the most rigorously validated credentials in the Pilates profession, and the only Pilates credential that qualifies for 529 funding.
Where can I learn more or get started?
Visit
www.natpcp.org
to review NCPT eligibility requirements (Comprehensive) and begin your application. For exam questions, contact Nena Garcia at
[email protected]
or call +1 (954) 420-1835, ext. 200.