If State A has a 529 plan, you need to check whether it provides state earning tax exemption in a 529 plan. You can buy 529 plan from anywhere, though you may not get state tax exemption. You do not need to be a resident to open a 529 plan. The money in 529 plan can be used in any qualified college/universities. There are different investment choices, which you have to choose. I am using UESP (Utah), which ranks very high in comparison.
Here is what I found out. Please keep in mind that you have to contact your tax adviser regarding your own situation, as I am definitely not a tax adviser :-) The need-based financial aid treatment of family assets depends on whether they are owned by the student or the parent. During need analysis, the federal financial aid formula assesses a percentage of student assets and a percentage of parents assets. Student assets are assessed at a flat rate of 20% (effective July 1, 2007). Parent assets are assessed on a bracketed scale with a maximum rate of 5.64%. Parent assets are also partially sheltered by an asset protection allowance based on the age of the older parent (around $45,000 for most parents of college-age children). Parent assets in retirement plans and the net market value of the family's primary residence are also sheltered, as well as small businesses owned and controlled by the family. Accordingly, the impact of a college savings plan on need-based financial aid depends on whether the plan is considered a student asset, a parent asset, or neither. Section 529 college savings plans are treated as an asset of the account owner, and so have a low impact on financial aid eligibility. College savings plans are reported on the Free Application for Federal Student Aid ( FAFSA) as an asset of the account owner, which is typically the parent. Distributions from a college savings plan have no impact on financial aid eligibility (i.e., they are not counted as untaxed income or a resource).
一点补充,希望对为小孩着想的父母们有点用! 为小孩准备教育经费,还有其他的方法: UTMA/UGMA 有现金值的人寿保险(Term life insurance has no cash value). 另外,公立大学在计算家庭资产是不算自己居住的房子和退休计划,但是私立大学是要 算的。 不管是公立还是私立,无论人寿保险里有多少现金值,都不算在家庭资产里。 小孩能得到多少奖学金(merit-based),取决与成绩、特长等等。 小孩能得到多少need-based的资助,可以参考以下的公式:
FN = COA – EFC EFC = (A + B) × graded factor + (C + D) A = 100% × (parents income – taxes – income protection allowance– employment expense allowance) B = 12% × (parents asset – asset protection allowance) C = 50% × (student income – taxes – income protection allowance) D = 20% × (student asset – asset protection allowance) graded factor: 22-47%, depending on total of (A+B) FN: Financial Need COA: Cost of Attendance EFC: Expected Family Contribution
529可以用于graduate school吗? Yes 还有万一娃不上大学,529的钱属于父母还是娃? Parents. And parents can decide what to do with the money, including which child/grandchild to use the money for education tax free.
Yes. According to the IRS, in order for an Roth IRA early withdrawal to qualify as a qualified first home purchase distribution, it must meet the following requirements: 1) It must be used to pay qualified acquisition costs before the close of the 120th day after the day you receive the distribution. 2) It must be used to pay qualified acquisition costs for the main home of a first-time homebuyer who is any of the following. * Yourself * Your spouse * Your or your spouse's child * Your or your spouse's grandchild * Your or your spouse's parent or other ancestor 3) When added to all your prior qualified first-time homebuyer distributions (if any), total qualifying distributions can not be more than $10,000. Meet these stipulations, and your Roth IRA withdrawal is tax-free and penalty-free. Just keep in mind that all withdrawals must following the Roth IRA ordering rules for withdrawals, and that means original contributions come out first. And since, your original contributions can be withdrawn at any time tax-free and penalty-free, you may not even need to take advantage of this exemption.
【在 d*****r 的大作中提到】 : Yes. : According to the IRS, in order for an Roth IRA early withdrawal to qualify : as a qualified first home purchase distribution, it must meet the following : requirements: : 1) It must be used to pay qualified acquisition costs before the close of : the 120th day after the day you receive the distribution. : 2) It must be used to pay qualified acquisition costs for the main home of a : first-time homebuyer who is any of the following. : * Yourself : * Your spouse
【在 d*****r 的大作中提到】 : Yes. : According to the IRS, in order for an Roth IRA early withdrawal to qualify : as a qualified first home purchase distribution, it must meet the following : requirements: : 1) It must be used to pay qualified acquisition costs before the close of : the 120th day after the day you receive the distribution. : 2) It must be used to pay qualified acquisition costs for the main home of a : first-time homebuyer who is any of the following. : * Yourself : * Your spouse
【在 f*****f 的大作中提到】 : 美国100年前的邮票都是打折出售的,网上的一般都会比local买贵。local stamp show : 一般都是周末,你买美国票,也不用赶时间啊。
s*d
98 楼
thanks a lot
following a
【在 d*****r 的大作中提到】 : Yes. : According to the IRS, in order for an Roth IRA early withdrawal to qualify : as a qualified first home purchase distribution, it must meet the following : requirements: : 1) It must be used to pay qualified acquisition costs before the close of : the 120th day after the day you receive the distribution. : 2) It must be used to pay qualified acquisition costs for the main home of a : first-time homebuyer who is any of the following. : * Yourself : * Your spouse
If State A has a 529 plan, you need to check whether it provides state earning tax exemption in a 529 plan. You can buy 529 plan from anywhere, though you may not get state tax exemption. You do not need to be a resident to open a 529 plan. The money in 529 plan can be used in any qualified college/universities. There are different investment choices, which you have to choose. I am using UESP (Utah), which ranks very high in comparison.
Here is what I found out. Please keep in mind that you have to contact your tax adviser regarding your own situation, as I am definitely not a tax adviser :-) The need-based financial aid treatment of family assets depends on whether they are owned by the student or the parent. During need analysis, the federal financial aid formula assesses a percentage of student assets and a percentage of parents assets. Student assets are assessed at a flat rate of 20% (effective July 1, 2007). Parent assets are assessed on a bracketed scale with a maximum rate of 5.64%. Parent assets are also partially sheltered by an asset protection allowance based on the age of the older parent (around $45,000 for most parents of college-age children). Parent assets in retirement plans and the net market value of the family's primary residence are also sheltered, as well as small businesses owned and controlled by the family. Accordingly, the impact of a college savings plan on need-based financial aid depends on whether the plan is considered a student asset, a parent asset, or neither. Section 529 college savings plans are treated as an asset of the account owner, and so have a low impact on financial aid eligibility. College savings plans are reported on the Free Application for Federal Student Aid ( FAFSA) as an asset of the account owner, which is typically the parent. Distributions from a college savings plan have no impact on financial aid eligibility (i.e., they are not counted as untaxed income or a resource).
一点补充,希望对为小孩着想的父母们有点用! 为小孩准备教育经费,还有其他的方法: UTMA/UGMA 有现金值的人寿保险(Term life insurance has no cash value). 另外,公立大学在计算家庭资产是不算自己居住的房子和退休计划,但是私立大学是要 算的。 不管是公立还是私立,无论人寿保险里有多少现金值,都不算在家庭资产里。 小孩能得到多少奖学金(merit-based),取决与成绩、特长等等。 小孩能得到多少need-based的资助,可以参考以下的公式:
FN = COA – EFC EFC = (A + B) × graded factor + (C + D) A = 100% × (parents income – taxes – income protection allowance– employment expense allowance) B = 12% × (parents asset – asset protection allowance) C = 50% × (student income – taxes – income protection allowance) D = 20% × (student asset – asset protection allowance) graded factor: 22-47%, depending on total of (A+B) FN: Financial Need COA: Cost of Attendance EFC: Expected Family Contribution
529可以用于graduate school吗? Yes 还有万一娃不上大学,529的钱属于父母还是娃? Parents. And parents can decide what to do with the money, including which child/grandchild to use the money for education tax free.
Yes. According to the IRS, in order for an Roth IRA early withdrawal to qualify as a qualified first home purchase distribution, it must meet the following requirements: 1) It must be used to pay qualified acquisition costs before the close of the 120th day after the day you receive the distribution. 2) It must be used to pay qualified acquisition costs for the main home of a first-time homebuyer who is any of the following. * Yourself * Your spouse * Your or your spouse's child * Your or your spouse's grandchild * Your or your spouse's parent or other ancestor 3) When added to all your prior qualified first-time homebuyer distributions (if any), total qualifying distributions can not be more than $10,000. Meet these stipulations, and your Roth IRA withdrawal is tax-free and penalty-free. Just keep in mind that all withdrawals must following the Roth IRA ordering rules for withdrawals, and that means original contributions come out first. And since, your original contributions can be withdrawn at any time tax-free and penalty-free, you may not even need to take advantage of this exemption.
【在 d*****r 的大作中提到】 : Yes. : According to the IRS, in order for an Roth IRA early withdrawal to qualify : as a qualified first home purchase distribution, it must meet the following : requirements: : 1) It must be used to pay qualified acquisition costs before the close of : the 120th day after the day you receive the distribution. : 2) It must be used to pay qualified acquisition costs for the main home of a : first-time homebuyer who is any of the following. : * Yourself : * Your spouse
D*I
137 楼
才10k?
following a
【在 d*****r 的大作中提到】 : Yes. : According to the IRS, in order for an Roth IRA early withdrawal to qualify : as a qualified first home purchase distribution, it must meet the following : requirements: : 1) It must be used to pay qualified acquisition costs before the close of : the 120th day after the day you receive the distribution. : 2) It must be used to pay qualified acquisition costs for the main home of a : first-time homebuyer who is any of the following. : * Yourself : * Your spouse
s*d
138 楼
thanks a lot
following a
【在 d*****r 的大作中提到】 : Yes. : According to the IRS, in order for an Roth IRA early withdrawal to qualify : as a qualified first home purchase distribution, it must meet the following : requirements: : 1) It must be used to pay qualified acquisition costs before the close of : the 120th day after the day you receive the distribution. : 2) It must be used to pay qualified acquisition costs for the main home of a : first-time homebuyer who is any of the following. : * Yourself : * Your spouse
g*k
139 楼
it's pre-tax for the state.
【在 d*****r 的大作中提到】 : Post-tax. However, you may get credit for state income tax, depending on : your state's program benefit.
y*r
140 楼
529必须是有娃后才可以开户吗
d*r
141 楼
You can open an 529 for yourself or your spouse, then change the beneficiary to your children later.
【在 d*****r 的大作中提到】 : You can open an 529 for yourself or your spouse, then change the beneficiary : to your children later.
d*r
143 楼
Personally, I put more than the state credit limit into 529 plans for my children, because it can grow tax-free. I do not have any ESA. Keep in mind that in some states, the assets of the ESA become the property of the beneficiary.
check ur income. u may not be eligible to contribute to ESA. yes, u can contribute $2000 by April 17 as 2011 contribution. the law will change to $500 next year unless congress extends.
【在 d*****r 的大作中提到】 : Personally, I put more than the state credit limit into 529 plans for my : children, because it can grow tax-free. I do not have any ESA. : Keep in mind that in some states, the assets of the ESA become the property : of the beneficiary. : : 以投
a*e
146 楼
Thanks! Yes I understand there is an AGI limit for ESA. Two benefits I see from ESA: 1. one can buy individual stocks 2. money can be used for elementary school and middle school My questions are: 1. if in the future, the program changes and elementary and middle school expenses are not considered qualified expenses, and by that time my kid is not old enough (for example, still in daycare) to take advantage of the ESA yet, what options will I have then? Convert ESA to 529? This way I only benefit from the fact I can buy individual stock, correct?
【在 n****u 的大作中提到】 : check ur income. u may not be eligible to contribute to ESA. : yes, u can contribute $2000 by April 17 as 2011 contribution. : the law will change to $500 next year unless congress extends. : : 以投
a*e
147 楼
If the there is still balance in the ESA when the beneficiary reaches 30, you can change beneficiary before that, correct?
【在 n****u 的大作中提到】 : esa as kids asset when they reach 30, i believe. : : property
a*e
148 楼
Thanks for sharing!
property
【在 d*****r 的大作中提到】 : Personally, I put more than the state credit limit into 529 plans for my : children, because it can grow tax-free. I do not have any ESA. : Keep in mind that in some states, the assets of the ESA become the property : of the beneficiary. : : 以投
m*l
149 楼
if Roth can do the same job as 529, why we need 529?
d*r
150 楼
There is limit on Roth IRA, currently at most $5,000 earned income. For 529, the limit is much higher.
【在 m******l 的大作中提到】 : if Roth can do the same job as 529, why we need 529?
m*l
151 楼
$5000 is a lot to me for a year. i guess Roth might be a better choice then.
529,
【在 d*****r 的大作中提到】 : There is limit on Roth IRA, currently at most $5,000 earned income. For 529, : the limit is much higher.
j*4
152 楼
If your family income is more than 200k, you can basically forget about financial aid for your kids. But in 529 plan, the account is under your name and your control at least.
【在 n******n 的大作中提到】 : 529 is not good for scholarship application, i think. : the best is to divorce before kids go to college.
H*s
153 楼
Very Useful, Thanks!
g*k
154 楼
it's pre-tax for the state.
【在 d*****r 的大作中提到】 : Post-tax. However, you may get credit for state income tax, depending on : your state's program benefit.
y*r
155 楼
529必须是有娃后才可以开户吗
d*r
156 楼
You can open an 529 for yourself or your spouse, then change the beneficiary to your children later.
【在 d*****r 的大作中提到】 : You can open an 529 for yourself or your spouse, then change the beneficiary : to your children later.
d*r
158 楼
Personally, I put more than the state credit limit into 529 plans for my children, because it can grow tax-free. I do not have any ESA. Keep in mind that in some states, the assets of the ESA become the property of the beneficiary.
check ur income. u may not be eligible to contribute to ESA. yes, u can contribute $2000 by April 17 as 2011 contribution. the law will change to $500 next year unless congress extends.
【在 d*****r 的大作中提到】 : Personally, I put more than the state credit limit into 529 plans for my : children, because it can grow tax-free. I do not have any ESA. : Keep in mind that in some states, the assets of the ESA become the property : of the beneficiary. : : 以投
a*e
161 楼
Thanks! Yes I understand there is an AGI limit for ESA. Two benefits I see from ESA: 1. one can buy individual stocks 2. money can be used for elementary school and middle school My questions are: 1. if in the future, the program changes and elementary and middle school expenses are not considered qualified expenses, and by that time my kid is not old enough (for example, still in daycare) to take advantage of the ESA yet, what options will I have then? Convert ESA to 529? This way I only benefit from the fact I can buy individual stock, correct?
【在 n****u 的大作中提到】 : check ur income. u may not be eligible to contribute to ESA. : yes, u can contribute $2000 by April 17 as 2011 contribution. : the law will change to $500 next year unless congress extends. : : 以投
a*e
162 楼
If the there is still balance in the ESA when the beneficiary reaches 30, you can change beneficiary before that, correct?
【在 n****u 的大作中提到】 : esa as kids asset when they reach 30, i believe. : : property
a*e
163 楼
Thanks for sharing!
property
【在 d*****r 的大作中提到】 : Personally, I put more than the state credit limit into 529 plans for my : children, because it can grow tax-free. I do not have any ESA. : Keep in mind that in some states, the assets of the ESA become the property : of the beneficiary. : : 以投
m*l
164 楼
if Roth can do the same job as 529, why we need 529?
d*r
165 楼
There is limit on Roth IRA, currently at most $5,000 earned income. For 529, the limit is much higher.
【在 m******l 的大作中提到】 : if Roth can do the same job as 529, why we need 529?
m*l
166 楼
$5000 is a lot to me for a year. i guess Roth might be a better choice then.
529,
【在 d*****r 的大作中提到】 : There is limit on Roth IRA, currently at most $5,000 earned income. For 529, : the limit is much higher.
j*4
167 楼
If your family income is more than 200k, you can basically forget about financial aid for your kids. But in 529 plan, the account is under your name and your control at least.
【在 n******n 的大作中提到】 : 529 is not good for scholarship application, i think. : the best is to divorce before kids go to college.
【在 j***4 的大作中提到】 : If your family income is more than 200k, you can basically forget about : financial aid for your kids. But in 529 plan, the account is under your name : and your control at least.
d*r
171 楼
Here are the rules on how 529 is used in calculating financial aid. If you have different experience, please share it. Thanks. Calculating the impact on financial aid by 529 plans is relatively simple where a parent is the holder of the 529 plan. The impact on financial aid is complicated when the plan is in the student's name. This is something to consider when you take out a 529 plan. 529 plans held by parents or other non-beneficiary A 529 account owned by a parent for a dependent student is reported on the federal financial aid application (FAFSA) as a parental asset. Parental assets are assessed at a maximum 5.64% rate in determining the student's Expected Family Contribution (EFC). 529 Plans owned by the student Beginning with the 2009-2010 school year, student- and UGMA/UTMA-owned 529 accounts are to be reported as parental assets, if the student files the FAFSA as a dependent and has to include parent assets and income. This treatment confers a financial aid benefit as the parental rate of 5.64% is considerably less prejudicial than the 20% rate on non-529 assets owned by the student.
【在 x****o 的大作中提到】 : : name : 这完全是错误观点,看的是AGI,不是income
l*u
172 楼
不是。看标题俺也吓一跳,强卖给LD whole life insurance的,就是介么说滴 :)
【在 D******y 的大作中提到】 : 广告?
x*o
173 楼
is 这么说吧,我碰到一家人,人家529存了8万,学校给孩子四年12万奖学金,家人高兴,过两 天又来一封信,12-8=4万
【在 d*****r 的大作中提到】 : Here are the rules on how 529 is used in calculating financial aid. If you : have different experience, please share it. Thanks. : Calculating the impact on financial aid by 529 plans is relatively simple : where a parent is the holder of the 529 plan. The impact on financial aid is : complicated when the plan is in the student's name. This is something to : consider when you take out a 529 plan. : 529 plans held by parents or other non-beneficiary : A 529 account owned by a parent for a dependent student is reported on the : federal financial aid application (FAFSA) as a parental asset. Parental : assets are assessed at a maximum 5.64% rate in determining the student's
d*r
174 楼
能不能详细点?什么学校?529账户是在学生还是家长的名下?
【在 x****o 的大作中提到】 : : is : 这么说吧,我碰到一家人,人家529存了8万,学校给孩子四年12万奖学金,家人高兴,过两 : 天又来一封信,12-8=4万
Prior to 2006, there was a 529 prepaid tuition plan. which offset dollar-to- dollar in eligibility. However, the law of 2006 (Deficit Reduction Act of 2005) changed how 529 funds is calculated in financial aid. See http://yale.edu/sfas/finaid/parents/the-529-plan.html "Another major change in the 2006 law is the way a 529 prepaid tuition plan is treated. Under the old law, your investment would not show up at all on the FAFSA, but the benefits paid out would be considered by the institution as a resource that reduced your child's overall financial "need". The bottom line effect for most families was a dollar-for-dollar offset in eligibility . "
to- plan institution bottom eligibility 大哥,说了半天你没懂么,人家学校officer开始计算时考虑到了529,所以综合考虑给了 12万奖学金,但是后面review发现你有529就是一个孩子教育,如果是存款可能就不会有 问题,但是529在某些脑袋有病的人看来就正好付学费了,于是大笔一挥减掉529的钱.在 那些脑袋有病的人看来,你有钱填补一部分学费,正好把钱给需要的人
【在 d*****r 的大作中提到】 : Prior to 2006, there was a 529 prepaid tuition plan. which offset dollar-to- : dollar in eligibility. However, the law of 2006 (Deficit Reduction Act of : 2005) changed how 529 funds is calculated in financial aid. See : http://yale.edu/sfas/finaid/parents/the-529-plan.html : "Another major change in the 2006 law is the way a 529 prepaid tuition plan : is treated. Under the old law, your investment would not show up at all on : the FAFSA, but the benefits paid out would be considered by the institution : as a resource that reduced your child's overall financial "need". The bottom : line effect for most families was a dollar-for-dollar offset in eligibility : . "
x*o
181 楼
把钱藏起来,找个最贵的保险one time policy,全部买进去,然后小孩申请完cancel掉, 免费的 另外如果还有能力,买个热手房子,mortgage越多越好,然后不赔本的情况卖掉
For public colleges, home equity is usually not counted. For private colleges, home equity is usually counted.
【在 p********r 的大作中提到】 : 房子不算资产么? 没研究过529和financial aid,请教一下. : One time policy倒是个好主意.
S*C
185 楼
Private schools do not follow the formula.
to- plan institution bottom eligibility
【在 d*****r 的大作中提到】 : Prior to 2006, there was a 529 prepaid tuition plan. which offset dollar-to- : dollar in eligibility. However, the law of 2006 (Deficit Reduction Act of : 2005) changed how 529 funds is calculated in financial aid. See : http://yale.edu/sfas/finaid/parents/the-529-plan.html : "Another major change in the 2006 law is the way a 529 prepaid tuition plan : is treated. Under the old law, your investment would not show up at all on : the FAFSA, but the benefits paid out would be considered by the institution : as a resource that reduced your child's overall financial "need". The bottom : line effect for most families was a dollar-for-dollar offset in eligibility : . "
p*r
186 楼
Thanks for the info. Good to know. There are so many games to play when it comes to financial aid. I am amazed.
【在 d*****r 的大作中提到】 : For public colleges, home equity is usually not counted. For private : colleges, home equity is usually counted.
S*C
187 楼
I suspect most double income Chinese families won't be eligible for any need -based scholarship, and there is little, if not none, merit-based scholarship in top private schools.
amazed.
【在 p********r 的大作中提到】 : Thanks for the info. Good to know. : There are so many games to play when it comes to financial aid. I am amazed.
d*r
188 楼
http://www.usnews.com/education/best-colleges/features/net-pric Find Out Your Net Price of College Every college and university has an online net price calculator, but the tools can be hard to use—and even harder to find. Use the list below to access net price calculators for about 300 of the top National Universities and National Liberal Arts Colleges.
need
【在 S**C 的大作中提到】 : I suspect most double income Chinese families won't be eligible for any need : -based scholarship, and there is little, if not none, merit-based : scholarship in top private schools. : : amazed.
w*n
189 楼
Thanks for the information.
Universities
【在 d*****r 的大作中提到】 : http://www.usnews.com/education/best-colleges/features/net-pric : Find Out Your Net Price of College : Every college and university has an online net price calculator, but the : tools can be hard to use—and even harder to find. Use the list below to : access net price calculators for about 300 of the top National Universities : and National Liberal Arts Colleges. : : need
Good info, but I suspect it will be of much use to people like me. I mean, they certainly will not say, we will count every and all of your asset to calculate your contribution, regardless of 529, IRA, taxable, 401(k), house, everything you have, but hey, I will be very surprised if they do not really do it.
Universities
【在 d*****r 的大作中提到】 : http://www.usnews.com/education/best-colleges/features/net-pric : Find Out Your Net Price of College : Every college and university has an online net price calculator, but the : tools can be hard to use—and even harder to find. Use the list below to : access net price calculators for about 300 of the top National Universities : and National Liberal Arts Colleges. : : need
d*r
192 楼
All money in retirement accounts such as IRAs, 401K are not counted based on what I have learned.But, if some colleges don't follow the rule of 529, I do not know what I should believe.
house,
【在 S**C 的大作中提到】 : Good info, but I suspect it will be of much use to people like me. I mean, : they certainly will not say, we will count every and all of your asset to : calculate your contribution, regardless of 529, IRA, taxable, 401(k), house, : everything you have, but hey, I will be very surprised if they do not : really do it. : : Universities
S*C
193 楼
I would say, if the aid comes from endowment, any asset the college know that you have, especially for the top private college, good luck. I sound a little to cynical, but I think I am not. Money are fungible.
on ,
【在 d*****r 的大作中提到】 : All money in retirement accounts such as IRAs, 401K are not counted based on : what I have learned.But, if some colleges don't follow the rule of 529, : I do not know what I should believe. : : house,
w*n
194 楼
If you are not bad at investing and there is any kind of tax shelter, you should take it, be it roth or 529. I wouldn't count too much on financial aid after this discussion.
d*r
195 楼
Called one top college today and was told by the financial adviser that the college treats 529 assets as parent's assets and doesn't reduce financial aid dollar-for-dollar. So call the colleges if you are not sure how the 529 plan is treated by them, so that there will be no surprises.
w*n
196 楼
Nice! Thanks for sharing with us.
the 529
【在 d*****r 的大作中提到】 : Called one top college today and was told by the financial adviser that the : college treats 529 assets as parent's assets and doesn't reduce financial : aid dollar-for-dollar. So call the colleges if you are not sure how the 529 : plan is treated by them, so that there will be no surprises.
S*C
197 楼
Of course they will say that, duh. They also claim they do not discriminate Asian applicants, and there is no quota cap for Asians. You believe so? I never count on financial aids for my kids colleage education, if they get some, great; if not, doesn't matter since it is not in the plan.
the 529
【在 d*****r 的大作中提到】 : Called one top college today and was told by the financial adviser that the : college treats 529 assets as parent's assets and doesn't reduce financial : aid dollar-for-dollar. So call the colleges if you are not sure how the 529 : plan is treated by them, so that there will be no surprises.
z*i
198 楼
同意,谁知道政策以后怎么变。
discriminate get
【在 S**C 的大作中提到】 : Of course they will say that, duh. They also claim they do not discriminate : Asian applicants, and there is no quota cap for Asians. You believe so? : I never count on financial aids for my kids colleage education, if they get : some, great; if not, doesn't matter since it is not in the plan. : : the : 529
p*h
199 楼
不生孩子不就木有介个烦恼袅嘛~~~ 多余。。。
g*k
200 楼
this aid you mentioned is need-based not merit-based, right?