REVIEWER: Sha Hsing Min, director of database marketing and analytics for Upromise.

BACKGROUND: Upromise is the country's largest privately funded service helping families save for college. Upromise also operates customer-loyalty programs for other companies. Membership is free and allows families to automatically save money for college while making everyday purchases at more than 18,000 grocery and drug stores, 15,000 gas stations, 9,000 restaurants and 10,000 hotel locations nationwide, as well as tens of thousands of retail stores and 200 online shopping sites. Upromise's contributing companies include America Online, Citi, Coca-Cola, Exxon Mobil Corporation, Kellogg Company, Kimberly-Clark, McDonald's, The Sharper Image and hundreds of others. Upromise also makes it easy for families to start their own college savings strategy through tax-advantaged 529 college savings plans, or by using Upromise contributions to help pay off their student loans.

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