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Reply to "MS parents: How much have you saved for college (529, etc.)? "
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[quote=Anonymous][quote=Anonymous]How did you all decide between a general 529 and the prepaid 529? Before I get the snarky responses :) my understanding is you can purchase semesters so don’t have to do like 80k down for the prepaid option. The general 529 hasn’t had a great rate of return in my opinion.[/quote] We did a prepaid at birth when it makes the most sense. We just treated it as a car note as they have payment plans and instead of a new car that we needed, we just did a monthly payment and all tax refunds one into it too. If you pay down sooner you save a lot on interest. If you have an older child, it doesn't make sense when you look at cost vs. value to do prepaid.[/quote]
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