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Saturday, April 25, 2026

CentsWisdom

Personal finance that makes cents


College

College Savings & Planning Guides

College is one of the biggest financial decisions families face — and the earlier you start planning, the more options you have. These guides break down how 529 plans work, how to save efficiently at any income level, and how to plan for a child's education without putting your own retirement at risk.

5 articles ← All articles

All College Savings Articles

College for $3.57 a Day College

College for $3.57 a Day

A dead-simple college savings plan that starts at $25 a week and grows with your child. After 14 years of following this exact plan, here are the real numbers.

Andrew Carta · 9 min read
529 Plan vs. Roth IRA for College Savings: Which Is Better in 2026? College

529 Plan vs. Roth IRA for College Savings: Which Is Better in 2026?

Both accounts offer tax-free growth for college. But they work differently, hit financial aid differently, and one gives you an escape hatch if your kid skips college. Here's the real comparison.

Andrew Carta · 8 min read
How to Pay for College Without Student Loans College

How to Pay for College Without Student Loans

The average graduate carries $37,000 in student debt. But there are real strategies -- FAFSA optimization, merit aid negotiation, transfer pathways, and employer benefits -- that can cut that number to zero.

Andrew Carta · 10 min read
How to Pay Off Student Loans Fast: A Practical Payoff Plan College

How to Pay Off Student Loans Fast: A Practical Payoff Plan

The average borrower carries $37,000 in student debt. Here's a step-by-step strategy to pay it off faster — without wrecking the rest of your financial life.

Andrew Carta · 8 min read
529 Plans Explained: The Smartest Way to Save for College College

529 Plans Explained: The Smartest Way to Save for College

A 529 plan gives you tax-free growth on college savings. Here's how they work, how much to put in, which state plan to choose, and what happens if your kid doesn't go to college.

Andrew Carta · 7 min read

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