制定大学储蓄计划，将教育作为礼物
You or any other family member can give the gift of education by opening a 529 or other college savings plan account specifically for future higher education expenses.
Are you looking for an impactful gift to give to the children in your life for a birthday, 假日或其他特殊场合? It's never too early to start saving money for your kid's college education, 或者你可以为你的侄女们捐款, 侄子或孙子. 在玩具坏了或长不大之后很久, a college savings plan may still be appreciated because you will have started a 这是为大学存钱的好方法. You will have shown your faith in their lives and future and give them a better chance to start out 无债一身轻 在成年后.
529计划是一个不错的礼物选择
的se "qualified tuition programs" allow you to save for future educational costs under Section 529(b) of the Internal Revenue Code. 的 529大学储蓄计划 允许你或其他家庭成员 开户 with a low contribution amount specifically for future higher education expenses. 可能会有居住要求. Your investment is tax-deferred and distributions from the fund are exempt from federal income tax if used for qualified education expenses.
除了传统的四年制大学, 这些资金可以用于社区大学, 职业学校或职业学校. 如果指定 孩子没有接受高等教育根据美国国税局的规定，这笔资金可以用于其他家庭成员. 如果你发现没人会用这笔钱, 甚至是未来的孙子, the funds may be redeemed with taxes and a 10% penalty applied to the earnings.
Coverdell教育储蓄账户(ESA)是另一个选择
A Coverdell ESA is a trust that lets you contribute funds earmarked for future educational costs (elementary and secondary education through college and graduate school), 最高2美元,000元/年, 每个孩子. Contributions can begin at birth and continue until a child turns 18 years of age. Coverdell ESA accounts are exempted from federal income tax and withdrawals are tax-free if used for qualified education expenses. In addition, the funds can be transferred to a sibling if your child doesn't need it.
最后是UGMA和UTMA账户
Uniform Gift to Minors Act (UGMA) or Uniform Transfer to Minors Act (UTMA) accounts are designed to hold and protect assets for the benefit of a minor. With these two accounts, you can make monetary gifts without setting up a trust. Assets can be used for any reason at any time for the benefit of the named beneficiary and the minor gains control of the funds when they reach the age of trust termination (which is age 18 to 21, 取决于州和帐户限制). 资产可以用来支付教育费用, 而是因为资产被认为是受益人的财产, 这可能会对经济援助产生很大的影响.
给学生的建议，为他们的高等教育做贡献
储蓄账户 学生可以在年轻的时候开储蓄账户, 把礼物或工作挣来的钱存起来. Parents and grandparents can make deposits to these accounts to help the student save for college.
奖学金 - 这是免费的钱，而且永远不需要偿还. 一些 网站 提供 成千上万的奖学金. 有各种各样的奖学金——体育, 课外活动, (即, 正在攻读学位, 少数民族或种族地位，这样的例子不胜枚举. 学生应该考虑 申请尽可能多的奖学金.
其他选项 - Encourage students to take AP classes that will give them college credits while still in high school. 找一份工作是省钱的好方法. And consider student loans as a very last option to help avoid debt upon graduating.
Think about saving for your child's college with one of the options above and possibly pairing it with a toy or something else the child can unwrap if your budget allows.
