don't forget state sponsored education trusts. tax deferred with tax exemptions from state income taxes for qualified disbursments (as long as money is used for education expenses). parents, grandparents, relatives can gift money to trust within certain guidelines.in CT. unlimited per year up to a lifetime limit of $100,000. per account. $'s can be transferred from one sibling to another. not available in all states but worth a look if offered in yours. performance is typically conservative- but hey- that's not always a bad thing! consider holding $'s in more aggressive companies until closer to need and then transfering $'s to one of these accounts and get the tax break.
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