Publication Date



SEED for Oklahoma Kids is a large-scale policy test of automatic and progressive Child Development Accounts (CDAs), and it is the first truly universal model in the United States. The SEED OK CDA is universal in that it opens an Oklahoma 529 College Savings Plan (OK 529) account on behalf of every infant in the treatment group. This report summarizes key findings and conclusions from SEED for Oklahoma Kids research. Even at this early stage, SEED OK research is informing policy and the design of college savings plans at the state level. Amore recent summary of SEED OK research is also available.

Document Type



Financial Inclusion


Asset Building

Original Citation

Beverly, S. G., Clancy, M., & Sherraden, M. (2014, April). Testing universal college savings accounts at birth: Early research from SEED for Oklahoma Kids (CSD Research Summary No. 14-08). St. Louis, MO: Washington University, Center for Social Development.


SEED for Oklahoma Kids


529, asset accumulation, asset effects, asset holding, asset ownership, assets, CDA, child development, child development account, child outcomes, child savings, child savings account, children, impact assessment, inclusive policy, policy design, policy, saving, savings, savings outcomes, savings performance, SEED OK, United States