Exhibit 99.13(a)



                         CONSENT OF INDEPENDENT AUDITORS


We consent to the reference made to our firm under the captions "Independent
Auditors" and "Experts" and to the use of our reports dated February 7, 2003 on
the financial statements of the Stock, Money Market, Bond Market, Social Choice,
Global Equities, Growth, Equity Index and Inflation-Linked Bond Accounts of
College Retirement Equities Fund, which are incorporated by reference in this
Registration Statement on Form N-3 (No. 811-4415) of College Retirement Equities
Fund.



                                                    /s/ Ernst & Young LLP


New York, New York
April 28, 2003