A 529 college savings account is one of the best ways to help kids save for college, but it also comes with its own set of pitfalls.

The $10 billion-plus program, created by the Obama administration in the 1990s, is designed to help families get the money they need to attend college and save for retirement.

But many of its supporters, including lawmakers, are worried it may be too reliant on government funds.

This article has been updated to include comments from Sen. Jeff Flake’s office.

Read more from The Associated Press: