1. Your state may allow a deduction.
2. Since you have done the 5 year limit, you could end up passing the gift limits if you contributed more. States are usually pretty limited in the deduction allowed. You will need to check with your state.
529 Contribution Limits 2025: Maximums by State, Gift Tax states: The 5-Year Gift Tax Election For example, in 2025 you can treat a lump sum contribution of $95,000 as if it were $19,000 per year for five years, provided you make no other gifts to the same beneficiary during this period.
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