The old saying, "You have to learn to earn," underscores the importance of investing in higher education. Yet rising tuition, limited financial aid, and a lack of savings keeps college out of reach, and out of mind, for many Texas families, especially low-income families. Although the Legislature created the Texas Tuition Promise Fund explicitly to reach low-income students, an analysis of the plan's first two years demonstrates that students who most need college savings accounts largely remain untouched. To close the gaps, the state must align its college savings plans and master plan for higher education to seamlessly provide incentives for economically disadvantaged students to begin college savings. (Contains 7 resources and 10 endnotes.)