Many companies including Google, Apple and IBM are no long requiring college degrees. Why? Because they realize that fast track learning and nano degrees are here. In technical and engineering fields students may be better off using Udacity, MIT open courseware and other self directed learning tools. Add to this the enormous cost of university education (even state schools are no longer a bargain) and the shift is underway. For those reasons, fully funding 529 plans for a child or grandchild may not be optimal. Speak to your financial advisor to see what makes sense for your family.

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