College — Bills

Many colleges allow you to spread a semester’s bill over monthly installments rather than paying a lump sum.

Withdrawals are tax-free when used for qualified education expenses. If a bill is approaching, experts recommend shifting these funds into more conservative investments to protect against market drops. college bills

Grandparents can pay the college directly to avoid gift tax implications, though the funds cannot be given to the student first. 3. Maximize Financial Aid Financial aid can significantly lower out-of-pocket costs: Many colleges allow you to spread a semester’s