You can change the beneficiary and transfer accumulations to benefit another member of the beneficiary's family-sibling, parent, uncle, aunt, nephew, niece and certain others. You can open as many accounts as you want. Can't list more than one beneficiary on the form to open account. Can then move money back and forth between accounts. That is why you must designate beneficiary on the form.
Employers can also offer payroll deduction.
Colleges who want to offer this should contact TIAA-CREF to make this type of payroll deduction available to their employees. Can open as many accounts as you want at no charge. Money can be used for expenses other than tuition, room and board, fees, etc. Can't pay for loans that have already been taken out. Doesn't have to be different beneficiaries.