My wife and I saved up $73,000 in 529 college savings plans for our kids — then their grandma generously paid for everything. Can we still use the 529 plans without penalty? Kai Trump ...

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A 529 plan is a tax-advantaged savings account intended for college education expenses. These plans charge fees, which vary by state and whether the plan is advisor-sold or direct-sold.

Some states offer deductions for 529 plan contributions up to certain limits. 529 plan contributions and qualified withdrawals are tax-free. If you pay state income taxes, you’ll need to report ...