(Salem, OR) -- Oregon's program to help families save money for college has topped four-billion-dollars. Embark, which was previously the Oregon College Savings Plan, started 25 years ago. It allows families to save money for college with tax-free earnings. They can also get an annual tax credit up to 380 dollars a year, or more than 68-hundred-dollars over 18 years. More than 150-thousand Oregonians have accounts.