Education & Student Loans strategies

10 plays in this category. Each one covers the mechanics, who it fits, and the estimated impact — then generates a deep dive against your own numbers.

• Education & Student Loans

  529 → Roth IRA Rollover (SECURE 2.0)

  Roll up to $35K of leftover 529 funds into a Roth IRA — tax-free, penalty-free.

  $35K tax-free Roth conversion + decades of compounding
• Education & Student Loans

  529 5-Year Superfunding ($95K single / $190K couple)

  Front-load 5 years of gift-tax exclusion into one 529 contribution.

  $190K compounding tax-free for 18 years = $500K–$700K
• Education & Student Loans

  Employer §127 $5,250 Tax-Free Education Assistance

  Get $5,250/yr of tuition or student-loan repayment tax-free from your employer.

  $5,250/yr × up to 37% bracket = ~$2,000/yr tax savings
• Education & Student Loans

  PSLF + SAVE Optimization for W-2 Professionals

  Combine income-driven repayment with 501(c)(3) employment for full loan forgiveness at year 10.

  $100K–$400K tax-free loan forgiveness
• Education & Student Loans

  American Opportunity + Lifetime Learning Credit Stack

  Up to $2,500/yr AOTC per child + $2,000/yr LLC for grad/continuing ed.

  $2,000–$2,500/yr per student × 4 years
• Education & Student Loans

  Coverdell ESA for K-12 Private School

  $2K/yr tax-free growth for K-12 tuition, uniforms, tutoring — 529 can't touch this.

  Fed + state tax-free growth on $2K/yr × 18 years
• Education & Student Loans

  Post-9/11 GI Bill Transfer to Dependents

  Servicemembers can transfer up to 36 months of GI Bill benefits to spouse/kids.

  $150K–$250K per transfer recipient
• Education & Student Loans

  Employer 529 Match & Student Loan 401(k) Match (SECURE 2.0)

  SECURE 2.0 §110 lets employers match 401(k) contributions based on student loan payments.

  $3K–$15K/yr in employer 401(k) match previously forfeited
• Education & Student Loans

  In-State Tuition Residency Play (1-Year Domicile Shift)

  Establish domicile in a low-tuition state 12 months before enrollment — save $100K+.

  $100K–$180K across 4 years
• Education & Student Loans

  Private Refi to Lower Rate + Invest the Payment Delta

  Refi 7–8% private loans to 4–5%, deploy the payment savings into index funds.

  $20K–$60K interest saved over life of loan