Up to $2,500/yr AOTC per child + $2,000/yr LLC for grad/continuing ed.
AOTC (§25A(i)): $2,500/yr per undergrad for first 4 years — 40% refundable. LLC: $2,000/yr for grad, professional, or continuing ed — non-refundable. Coordinate with 529 distributions (can't double-dip on the same $) so the first $4K of qualified expenses is paid out-of-pocket for AOTC and remainder from 529. AOTC phases out at $80–90K single / $160–180K joint MAGI.
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Roll up to $35K of leftover 529 funds into a Roth IRA — tax-free, penalty-free.
Front-load 5 years of gift-tax exclusion into one 529 contribution.
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.
$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+.