使用529发行版可以买到什么?
Some of the biggest challenges many face when it comes to education are financial. 幸运的是，529大学储蓄计划可以提供帮助. And they're not just for college anymore - added to the tuition eligibility are K-12, 私立和宗教学校. These funds can also be used for four and two-year colleges, 贸易学校, 研究生课程, 以及一些国际机构.
A 529 plan is a college savings plan that allows individuals to save for college on a tax-advantaged basis. State tax treatment of 529 plans is only one factor to consider prior to committing to a savings plan. Also, consider the fees and expenses associated with the particular plan. Whether a state tax deduction is available will depend on your state of residence. 各州的税收法律和待遇可能有所不同. 州税法可能与联邦税法不同. Earnings on non-qualified distributions will be subject to income tax and a 10% federal penalty tax.
以下是529项符合条件的教育费用:
教育策略
To take advantage of the 529 distribution for educational costs, you must submit your request for the funds during the same calendar year. 如果你在学年期间申请现金, 你可能会因为不合格的提款而欠税.
- 高等教育 - Post-secondary students (after high school) are eligible to participate in the federal student aid program administered by the U.S Department of Education and qualify for the use of 529 funds.
- 职业或技工学校 - Culinary students can draw from their 529 accounts to pay expenses related to culinary institute courses. 该机构必须参与美国金融服务体系.向美国教育部申请联邦学生资助.
- 早期教育 - K-12学校, 公共, 私人, and religious institutions can now use 529 plan distributions up to $10,每个学生的学费.
生活方式和学习用品
Learning how best to use your 529 distributions while establishing a manageable budget for qualified and non-qualified purchases can be tricky. 这里有一些建议要记住.
- 住房 - Campus housing can be paid through 529 distributions, including college room and board fees. Off-campus housing rentals qualify up to the same cost of the room and board on campus.
- 书籍及用品 - paper, pens, and textbooks required by the specific course are qualified expenses. 学校规定了书本和用品的预算限额.
- 需要及服务 - Special needs equipment and services qualify for 529 distribution. Students using equipment for mobility may be eligible for 529 distribution purchases. Depending on the circumstances, other modes of transportation may also apply.
欢迎技术
最后, many don't realize that computers and some electronics are included on the list of qualified education expenses. Keep in mind that these items must be required as part of the students' study programs to qualify.
- 个人电脑 - Computers must be used primarily by the student during any of the years the student is enrolled at the eligible educational institution.
- 软件 -软件可能有资格作为529分发费用, but only if it's used by the student and required by a class. For example, technical engineering or design classes may involve computerized assignments.
- 互联网 - Lastly, under certain circumstances, internet services can be paid for using 529 funds. Check with your internet service provider (ISP) for more details.
以上的建议一定会帮助你开始, but make sure to check with the school as well as chat with your financial professional to learn more. As mentioned earlier, each state and school may have different restrictions on using 529 funds. If you are unsure about anything, your plan sponsor may be able to provide some guidance.
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