Establish domicile in a low-tuition state 12 months before enrollment — save $100K+.
Public flagships charge in-state tuition $10–18K/yr vs $40–60K/yr out-of-state. Establishing bona fide domicile in the target state 12 months before enrollment (driver's license, voter reg, state tax return, lease, physical presence, no home-state ties) qualifies student for in-state. States with generous residency rules: TX, FL, AZ, VA, NC. Also: WICHE/SREB/Midwest Student Exchange programs cut out-of-state rate by 50–150% for regional students.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
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.
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.