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	Articles Education planning basics Can I afford to send my child to college? The best ways to save for college Research tips when choosing a college The college application process ABCs of financial aid Finding money to pay college bills out of pocket Education tax credits Student loan basics Sticker shock--creative ways to lower the cost of college Helping your child make the transition from high school to college Saving for retirement and a child's education at the same time Health insurance for college students Going back to school as an adult How student loans impact your credit 529 plans The ABCs of 529 plans Choosing a college savings plan College savings plans vs. prepaid tuition plans Opening a 529 account 529 plans: The ins and outs of contributions and withdrawals Making changes to your 529 account 529 plans and financial aid eligibility Income tax planning and 529 plans Estate planning and 529 plans 529 plans vs. Coverdell education savings accounts 529 plans vs. other college savings options

	Decision Tools Determining how much to save for college Saving for college calculator Finding the funds to pay for a college education Higher education figures at-a-glance Evaluating college savings options College funding options analyzer College savings vehicles compared Advantages and disadvantages of 529 plans Advantages and disadvantages of U.S. savings bonds for college savings Advantages and disadvantages of custodial accounts for college savings Advantages and disadvantages of Coverdell education savings accounts 529 plans College savings plan nonqualified withdrawals calculator College savings plans vs. prepaid tuition plans 529 plans: direct-sold college savings plans 529 plans: advisor-sold college savings plans 529 plans: prepaid tuition plans 529 plans vs. Coverdell education savings accounts Financial aid Comparison of federal higher education loans Financial aid calendar College application and financial aid calendar Tax issues Comparison of education tax credits and deductions Summary of tax-advantaged college savings options Qualified education expenses defined

	FAQs Saving for college Are college savings plans a good way to save for college? How can I save for my child's college education? Should I open a Coverdell education savings account? What are the rules for Coverdell education savings accounts? Should I save for college in my name or my child's name? Are savings bonds a good way to save? Are government savings bonds risk free? Do series EE bonds offer any special advantages if used for college savings? How can we possibly save for retirement and our child's college education at the same time? Help! My child is only two years away from college and we haven't saved much. What should we do? What is the CollegeSure CD? Should I establish a trust for my child's college education fund? Can an UGMA/UTMA account reduce my child's financial aid for college? Paying for college Should I use my 401(k) to fund my child's college education? Should I withdraw money from my IRA to pay for my child's college tuition? I've heard that a grandparent can pay a grandchild's tuition directly to the college without any gift tax problems. Is this true? Should I take out a home equity loan to pay for my child's tuition? College costs What is the college inflation rate? What expenses are included in the annual cost of college? Are there any ways to lower the cost of college? Financial aid How do I know if I'm eligible for federal financial aid? How can my child find scholarships for college? How do I apply for financial aid? How does the federal financial aid process work? What happens if our child's college does not give us all the financial aid we need? Can we negotiate our child's financial aid award? Are there any assets that are not counted for financial aid purposes? Do colleges offer financial aid? What are the major federal financial aid loan programs? Are any financial aid programs tailored especially to parents of post-secondary students? Is there anything I can do now so that my child can obtain more financial aid later? What is a Stafford Loan? Can anyone get a Pell Grant? Can an UGMA/UTMA account reduce my child's financial aid for college? Selecting a college How should my child go about selecting a college? Applying to college How many colleges should my child apply to? When are college applications due? Education tax credits Now that my child is in college, am I entitled to any education tax credits? What are the Hope credit and the Lifetime Learning credit? Student loans Are my student loan payments tax deductible? I'm having trouble paying my student loans. What should I do? How will I ever pay off my student loans? Can I refinance my student loan? Is student loan interest deductible? Should I pay off my student loans early with a home equity loan? College students and insurance My child is heading off to college this fall. What insurance issues does this raise? 529 plan basics How long have 529 plans been around? Why are these plans referred to as "529" plans? Do 529 plans include both college savings plans and prepaid tuition plans? What's the difference between college savings plans and prepaid tuition plans? How many states currently have 529 plans? Who can legally offer 529 plans? What can you tell me about employer-sponsored 529 plans? What is the Independent 529 Plan? Choosing a 529 plan How do I know whether to choose a college savings plan or a prepaid tuition plan? Can I invest in any state's 529 plan, or am I limited to my own state's plan? I've decided on a college savings plan, but how do I go about choosing one? Opening a 529 account Can my spouse and I open a joint 529 account for our child? If I open a 529 account, will my child's choice of college be restricted? Can I open a 529 account for a nonrelative? Is there an income limit on who can open an account? Can more than one account be opened for the same child? How do I enroll in a state's 529 plan? Can I open a 529 account in anticipation of my future grandchild? Can I open a 529 plan with a lump sum? What happens if I open a 529 plan in one state and then move to another state? Are there rules on who can open a 529 account? Can a non-U.S. citizen open a 529 account? Does it make sense to open a 529 account if my child is only two years away from college? I have two children. Should I open one account for both children or one account for each child? 529 plan expenses and fees What expenses and fees are generally associated with 529 plans? Do 529 plan expenses vary among states? 529 plans: Choosing or changing a beneficiary or account owner Who can be a beneficiary of a 529 plan? Is there an age limit on who can be a beneficiary of a 529 plan? Can a 529 account have more than one beneficiary? Can I open a 529 account and name myself as beneficiary? Can I change the beneficiary of a 529 account? Under what circumstances can the account owner of a 529 plan be changed? 529 plans: Changing plans (rollover) Can I roll over my existing 529 account to another state's 529 plan without penalty? Can I move funds from my Coverdell education savings account to a 529 plan? Does it make sense to cash in my prepaid tuition plan and contribute the money to a college savings plan instead? Understanding 529 investments Is my rate of return guaranteed under a 529 plan? What's the difference between how a college savings plan invests and how a prepaid tuition plan invests? Does a college savings plan allow me to choose my own investments? What recourse do I have if I'm unhappy with my college savings plan's investment performance? 529 plans: Making contributions How often can I make contributions to my child's 529 account? Can I contribute my own stocks and bonds to the 529 account I've set up for my child? How much can I invest in a 529 plan? Can contributions to a 529 plan be directly debited from my checking account? Should I invest a lump sum, or is there a way to use dollar cost averaging when investing in a college savings plan? I'm putting money into a 529 plan for my grandchild. But are the 529 assets subject to Medicaid spend-down requirements? Can I make contributions to a 529 account and a Coverdell education savings account in the same year for the same beneficiary? Can I transfer my child's UGMA/UTMA custodial account to a 529 plan? 529 plans: Tax issues Can I deduct my contributions to my 529 account? Will I pay income tax when the money in my 529 plan is withdrawn to pay for college expenses? Will I be penalized if the money in my 529 plan isn't used for college expenses? I'd like to make a lump-sum contribution to my grandchild's 529 account. Will I owe gift tax? I opened a college savings plan sponsored by a different state than my own. Will I get that state's tax benefits? The Economic Growth and Tax Relief Reconciliation Act of 2001 contains sunset provisions. Should I be worried about this? I opened a 529 plan and my child is the beneficiary. If my mother makes a contribution to the plan, is that considered a gift to me or to my child? I know that qualified withdrawals from college savings plans are now exempt from federal income tax. But what about state taxes? Will the value of my 529 account be included in my estate or my beneficiary's estate? I intend to make tuition payments directly to my grandchild's college, and I know this will reduce my estate. But would it be better to contribute to a 529 plan instead? How does the annual gift tax exclusion apply to contributions to a 529 plan? Can I use 529 funds to pay my child's college expenses in the same year I take either the Hope credit or the Lifetime Learning credit? If I cash in Series EE U.S. savings bonds I purchased 10 years ago and contribute the proceeds to a 529 plan, can I still avoid paying tax on the proceeds? Borrowing against your 529 account I know I can borrow against my 401(k), but can I borrow against the value of my 529 account? Can I use the money in my 529 account as security if I apply for a loan? Using or withdrawing 529 funds My child is the beneficiary of a 529 plan. Can he use the 529 funds for graduate school? My child is the beneficiary of a 529 plan. Can he use the 529 funds for vocational school? My child is the beneficiary of a 529 plan. Can we use the 529 funds for her private elementary or secondary school? Must the funds in a 529 plan be used for tuition only, or can they be used for room and board expenses? Can the funds in a 529 plan be used for college expenses if my child is only attending part-time? Can 529 funds be used for general living expenses while at college? My child will be going to college next year and using 529 funds to pay expenses: what do I need to do? How do I prove that a distribution request is for my child's college expenses and not for some other purpose? My child got a full scholarship to college: now what? My child is the beneficiary of a 529 plan. Can he use the 529 funds at a foreign school? What happens if I need to use the funds in a 529 plan before my child goes to college? What happens if I open a 529 account for my child, and she later becomes disabled and doesn't go to college? What happens if my child finishes college and there is money left over in the 529 account? What happens to the funds in my 529 account if my child doesn't go to college? What happens to my 529 plan if my child wants to postpone going to college for a year or two after high school? 529 plans and financial aid How will my 529 account be treated for financial aid purposes? I opened a college savings plan account for my grandchild many years ago, and he's now filling out financial aid applications. Do his parents need to list the value of the account in their assets, or does my grandchild list the value of the account as his asset? 529 plans: Death of account owner or beneficiary If I open a 529 account for my child and then die, who would control the account? If I am the account owner when I die, will the value of my 529 account be included in my estate? What happens if the beneficiary of the 529 account dies? 529 plans vs. other ways to save for college How does a 529 plan compare with a Coverdell education savings account? How does a 529 plan compare with an UGMA/UTMA custodial account in my child's name? How does a 529 plan compare with investing in a mutual fund in my name? How does a 529 plan compare with using U.S. savings bonds for college expenses?

	Sidebars Saving for college Average Yearly Costs of Public and Private Colleges Rising College Costs How Your Money Grows College Tuition Outpaces Income 529 plans The Growing Popularity of 529 Plans What's in a Name? Tip: College Savings Plans How Are 529 Plan Contribution Limits Determined? Calling All Grandparents! Additional Tax Benefits for Contributions Coverdell ESAs Goodbye Education IRAs, Hello Coverdell Education Savings Accounts! Don't Overlook Coverdell Education Savings Accounts Applying for college Tip: Getting into College Factors That May Give You the Edge over Other College Candidates Attending college The Value of a College Degree Saving on College Housing Costs What Your Child Should Bring to College Financial aid Financial Aid at Public and Private Colleges Tips for Filling Out and Sending In Your Financial Aid Applications Tip: PLUS Loans Student Loan Collection Efforts Tax credits History of Education Tax Credits

	Java Calculators Determining how much to save for college College Savings Savings Goals Savings, Taxes and Inflation Student Budget Calculator Enhanced Loan Calculator Loan Comparison Calculator Lunch Savings Calculator

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Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, or legal advice. The information presented here is not specific to any individual's personal circumstances.

To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable--we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.