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Uglowgirl5 writes (in part):

Which do you think would be the best way to go: monthly (and forgo the discount entirely, but sell no stock), UTMA, or Mom & Dad's stash (and the resulting tax consequences)?

I reply:

My own inclination would be to pay the money up front, taking it from the holding with the highest cost basis (using the "specific identification" method to minimize your taxes) and lowest transaction fees, and then using the money you would have used for school payments to replace it. That way you'll end up paying yourself $200 in interest. --Bob
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