Front-load 5 years of gift-tax exclusion into one 529 contribution.
IRC §529(c)(2)(B) lets you contribute 5 years of the annual gift-tax exclusion in one shot — 2025: $95K single or $190K per couple per beneficiary — with no gift tax and no reduction of lifetime exemption if you file Form 709 electing the 5-year spread. Massive head start on tax-free compounding.
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Roll up to $35K of leftover 529 funds into a Roth IRA — tax-free, penalty-free.
Get $5,250/yr of tuition or student-loan repayment tax-free from your employer.
Combine income-driven repayment with 501(c)(3) employment for full loan forgiveness at year 10.
Up to $2,500/yr AOTC per child + $2,000/yr LLC for grad/continuing ed.
$2K/yr tax-free growth for K-12 tuition, uniforms, tutoring — 529 can't touch this.
Servicemembers can transfer up to 36 months of GI Bill benefits to spouse/kids.
SECURE 2.0 §110 lets employers match 401(k) contributions based on student loan payments.
Establish domicile in a low-tuition state 12 months before enrollment — save $100K+.