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robinhanson's profile
Robin Hanson
Robin Hanson
Robin Hanson
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@robinhanson

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Robin HansonVerified account

@robinhanson

Let's skip witty repartee & position taking, & discuss enduring fundamental questions. (& my books: http://ageofem.com , http://elephantinthebrain.com )

Fairfax, VA
hanson.gmu.edu
Joined July 2007

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    Robin Hanson‏Verified account @robinhanson Oct 17

    To avoid steep “tax” by colleges on parental savings, don’t save for kids college, have them borrow lots, then help them pay off the loans fast.

    8:57 AM - 17 Oct 2018
    • 11 Retweets
    • 32 Likes
    • Piyush Tainguriya AJ Ostrow Richard Harper Michael Hicks Steve McQueen James Bailey Chana Non Zensical Life
    6 replies 11 retweets 32 likes
      1. New conversation
      2. Twisted Mentat Matt‏ @moridinamael Oct 17
        Replying to @robinhanson

        I’ve run rough numbers on this in the past, and it seems like unless you’re expecting to make so much money that saving wasn’t even necessary in the first place, you don’t come out ahead this way. If you use a 529 then your savings are tax advantaged. Am I missing something?

        1 reply 0 retweets 3 likes
      3. Robin Hanson‏Verified account @robinhanson Oct 17
        Replying to @moridinamael

        I haven't done numbers; was relaying what others said who suggested that they had done numbers.

        0 replies 0 retweets 0 likes
      4. End of conversation
      1. New conversation
      2. Jofi Joseph, CPA‏ @Jofi_Joseph_99 Oct 17
        Replying to @robinhanson

        Huh? If parents save a lot, then colleges will not provide them significant financial aid, requiring student to borrow $$$. So what's the difference here?

        1 reply 0 retweets 0 likes
      3. Ricky‏ @rickyofmontay Oct 17
        Replying to @Jofi_Joseph_99 @robinhanson

        the choice is between saving to pay directly for college vs saving to then pay off student loans. If the parents haven’t saved then they can’t do either.

        1 reply 0 retweets 0 likes
      4. Jofi Joseph, CPA‏ @Jofi_Joseph_99 Oct 17
        Replying to @rickyofmontay @robinhanson

        Yes, which is why I don't understand picking Option 2, which comes with additional interest and fees.

        2 replies 0 retweets 2 likes
      5. Sandrew Legit Passthru, LLC‏ @SandrewFinance Oct 17
        Replying to @Jofi_Joseph_99 @rickyofmontay @robinhanson

        I agree. This scheme makes no sense unless you conceal the money you saved ex ante in order to later repay the student loan. Which is to say, fraud.

        1 reply 0 retweets 1 like
      6. Sandrew Legit Passthru, LLC‏ @SandrewFinance Oct 17
        Replying to @SandrewFinance @Jofi_Joseph_99 and

        From the financial aid officer’s perspective savings are savings. It makes no difference if you claim that they are “for college” or for some other purpose. It makes a great deal of difference if parents understate their assets, but that can’t be Robin’s prescription, can it?

        1 reply 0 retweets 1 like
      7. Jofi Joseph, CPA‏ @Jofi_Joseph_99 Oct 17
        Replying to @SandrewFinance @rickyofmontay @robinhanson

        Or maybe the argument here is don't scrimp and save while your child is growing up, try to get as much financial aid as possible, and then help your kid pay back whatever loans are taken out. That makes more sense at least.

        2 replies 0 retweets 1 like
      8. Robin Hanson‏Verified account @robinhanson Oct 17
        Replying to @Jofi_Joseph_99 @SandrewFinance @rickyofmontay

        Yes, this is the sensible version.

        0 replies 0 retweets 1 like
      9. End of conversation
      1. New conversation
      2. Bryan Caplan‏ @bryan_caplan Oct 17
        Replying to @robinhanson

        Is this still wise, given favorable tax treatment for college savings?

        2 replies 2 retweets 4 likes
      3. Eliezer Yudkowsky‏Verified account @ESYudkowsky Oct 18
        Replying to @bryan_caplan @robinhanson

        Wouldn’t the college just eat that money too?

        0 replies 1 retweet 4 likes
      4. End of conversation
      1. Mario TruDoh!‏ @kova_mario Oct 18
        Replying to @robinhanson

        I’m an Electrician and my daughter is the beneficiary of all of my scrape wire. Since she was very little our deal was, she helps me strip the wire she gets half the money to spend as she likes, and the other half goes into a stock trading account she manages herself.

        0 replies 0 retweets 1 like
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      1. Andrew Rabbitt‏ @GhostOfFrederic Oct 17
        Replying to @robinhanson

        How about just teaching them to be independent and entrepreneurial...?

        0 replies 0 retweets 1 like
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      1. Sandrew Legit Passthru, LLC‏ @SandrewFinance Oct 17
        Replying to @robinhanson

        By what mechanism do colleges impose a “tax on parental savings” and how would choosing not to earmark savings as “for college” “avoid” said tax? If you are suggesting that one can save money by defrauding financial aid offices to obtain means-tested benefits, well, duh.

        0 replies 0 retweets 1 like
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