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.. amilies can help ease the cost of college. USA Today gives six different ideas to help a family pay for college. One way they say is called the 529 plan which according to USA Today is, "These state-sponsored plans offer a tax-advantaged way to invest for college tuition and other expenses." Another way is prepaid tuition plans, "These plans let you purchase contracts that lock in tuition rates at state colleges and universities." The third way is Education Savings Accounts (ESAs), "Education Savings Accounts let you invest in mutual funds, exchange-traded funds or other investments for your child's education." The next way is Vanguard's Education Resource Center, "You can use the money for primary and secondary private school tuition along with college expenses." The fifth way is Uniform Gifts to Minors Act and Uniform Transfers to Minors Act (UGMA/UTMA) accounts, "Uniform Gifts to Minors Act and Uniform Transfers to Minors Act accounts are in your child's name, but you control the assets until the child is 18 or 21, depending on your state." The last way is Roth IRA, "Ordinarily, if you withdraw money from a Roth individual retirement account before age 59 1/2 , you'll have to pay taxes on investment gains, plus a 10% penalty. But you can always withdraw the amount of your contributions, without paying taxes or penalties.
Withdraw more than that, and you'll owe taxes on the gains, but the 10% penalty is waived if the money is used for college." (USA Today, Sep. 14, 2004). All of these plans they list could be very helpful to anyone who needs help gaining their college education. Most of them need to be planned before a child is already accepted into college though, so if someone needs the money think ahead. Try to find another way if possible to not take out college loans.
With a college loan the school gets a lot of money back on the interest. It may sound like a good idea at first but in the end will end up hurting you. A reporter from Newsweek has come up with five more ways that students can help pay for college; make your case, focus on the bottom line, prepare for the future, fill the gaps, and break down and borrow. According to Linda Stern, "Most schools that provide aid will reconsider their offer if you can show them you have less money than they thought." The next suggestion she talks about is to focus on the bottom line, "The biggest award may not be the best deal if it's mostly loans or comes from the most expensive school." The third concept she talks about is to prepare for the future, "Ask the school to commit to a four-year award, and structure your family's finances to lower your bill." The next method she talks about is to fill the gaps, "Many schools will break down the bursar's bill into more digestible bites." The last approach she says that students can help pay for college is to break down and borrow, "At today's low rates, it's hard to find a better deal than a student loan." (Stern, Issue 15). All of these ways are very good ideas to help pay for college, a few of them will need some planning before-hand in order to get the job done. As long as parents and children start thinking about the college of their choice before they are a senior in high school then they should be able to afford it.
Thinking of ways to pay for college is a good idea but families should also be figuring out who will pay for college and how much. Most parents will do anything they can to have their child go to the University of their choice, but what most parents don't think about is the repercussions. The author of the article Who pays for COLLEGE? says, "think of paying for college as a joint venture, with kids pitching in to give themselves a stake in their own education." She then goes on to say, "kids can get a degree for a fraction of the cost by attending a community college for two years and then transferring to a four-year school." (Who pays for COLLEGE?) These are both great ideas to keep in mind for parents who are willing to help their child pay for college. If a child helps pay for college then they usually want to do better in school because they are paying for part of the schooling, so if they mess up then they are losing money. I don't know too many students are willing to give away their money for no apparent reason to someone else. There is one author who actually claims that college tuition has not risen, and actually declined.
The author of the article Tuition fees don't tell whole truth states, "With grants at an all-time high and tax-advantaged college savings plans growing rapidly, the study's authors claim that average tuition costs at public four-year colleges - excluding room and board, books and transportation and plenty else - have actually declined." (Tuition fees don't tell whole truth) I don't think that I agree with this author just for the fact that there are too many facts to prove otherwise. I stated a lot of numbers earlier to show that tuition had almost doubled in the past ten years, and now this lady comes along and says that no tuition is actually cheaper. This doesn't make any sense to me, but maybe that's just me. I believe that tuition is on the rise and there isn't much that we can do about it. If the government and Universities want to make the tuition higher then they are going to, no matter what anyone says about it.
I think that the only way to deal with the tuition increase is to start saving money for college early in life and hope that it doesn't get to high before you get there, especially since college education is so highly sought after and held in such high regard. If parents and children will just sit down and figure out a plan on how to pay for college before they are a junior or senior in high school then there should be no problem in paying for it.Works Cited1) Reed Jr., Adolph L. Majoring in Debt. Progressive; Jan 2004, Vol. 68 Issue 1, p 25, 3p, 2bw.2) Gallagher, James. College Costs Continue to Rise Sharply.
The (GA) Augusta Chronicle; 5/30/2004.3) USA Today. Learn about ways to pay college tuition. Sep. 14, 2004.4) Hempel, Jessi. College Tuition? Gumption Won't Cover It. Business Week, 5/31/2004, Issue 3885.5) http://studentloan.citibank.com/slcsite/slcframese t.htm.
Citicorp. Oct. 26, 2004.6) The Washington Post. Textbook Prices On the Rise. Sep.
18, 2004.7) Stern, Linda. Congrats!-Now Pay Up. Newsweek, 4/12/2004, Vol. 143, Issue 15.8) Ewers, Justin and Kingsbury, Alex. Opening the College Gates. 9) Bodnar, Janet.
Who pays for COLLEGE?10) Meyer, Michelle M. Tuition fees don't tell whole truth.
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