Give the gift of education with college savings plans
你或任何其他家庭成员都可以通过开设529或其他大学储蓄计划账户，专门为未来的高等教育费用提供教育礼物.
你正在寻找一份有影响力的生日礼物送给你生命中的孩子吗, holiday or other special occasion? 为孩子的大学教育开始攒钱永远不会嫌早, or you can make contributions for your nieces, nephews or grandchildren. Long after toys are broken or outgrown, 大学储蓄计划可能仍然是值得赞赏的，因为你将开始一个 way to save for college. 你会对他们的生活和未来表现出信心，给他们一个更好的开始机会 无债一身轻 在成年后.
529 plans are a good gift option
这些“合格的学费计划”允许您根据《pg电子官方网页版》第529(b)条节省未来的教育费用. 的 529 college savings plan allows you or any other family member to open an account 专门用于未来高等教育费用的捐款很少. Residency requirements may apply. 您的投资是递延纳税的，如果用于合格的教育费用，基金的分配将免征联邦所得税.
In addition to traditional 4-year colleges, these funds may be used for community college, trade school or vocational schools. If the designated child doesn't attend higher education, the funds can be used for other family members as IRS rules allow. If you find no one will use the funds, even a future grandchild, 这些资金可以在交税后赎回，并对收益征收10%的罚款.
Coverdell Education Savings Account (ESA) is another option
A Coverdell ESA 是一种信托基金，它可以让你为未来的教育费用(从小学到中学到大学和研究生院)捐款。, 最高2美元,000元/年, 每个孩子. 捐款可以从孩子出生时开始，一直持续到孩子年满18岁. Coverdell ESA账户免征联邦所得税，如果用于合格的教育费用，取款是免税的. 此外，如果你的孩子不需要这笔钱，这笔钱可以转给你的兄弟姐妹.
Lastly, UGMA and UTMA accounts
统一赠与未成年人法案(UGMA)或统一转让未成年人法案(UTMA)账户是为了未成年人的利益而设计的. 有了这两个账户，你就可以在不设立信托的情况下进行金钱馈赠. 资产可以在任何时候以任何理由用于指定受益人的利益，并且当他们达到信托终止年龄(即18至21岁)时，未成年人获得对资金的控制权, depending on state and account restrictions). Assets can be used for education expenses, but because assets are considered the property of the beneficiary, t在这里 may be a high impact on financial aid.
Tips for students to contribute to their higher education
Savings accounts - Students can open savings accounts when they’re young, saving monetary gifts or money earned from jobs. 父母和祖父母可以向这些账户存款，帮助学生为大学储蓄.
奖学金 - This is free money — and never has to be paid back. 一些 网站 提供 thousands of scholarships. T在这里 are scholarships for all kinds of things — athletics, extracurricular activities, (即, degree being sought, minority or ethnicity status and the list goes on. Students should consider applying for as many scholarships as possible.
其他选项 -鼓励学生在高中时选修AP课程，这样可以让他们获得大学学分. Getting a job can be a good way to help save money. 考虑学生贷款作为最后的选择，以帮助避免毕业后的债务.
考虑一下为孩子的大学储蓄，选择上面的一个选项，如果预算允许，可以搭配一个玩具或其他孩子可以打开的东西.
