401K怎么弄来付学费？

WaterWalker

401k 应该没法付学费吧，倒是可以转成IRA，可以免税的。问题是，有这个必要吗？

-- by 会员 ziye210 (2010/2/2 3:58:10)

不早点用掉，以后回中国也会被万恶的资本主义吃掉，何况2007年的时候损失惨重啊，过个7，8年再来一次。。。。。我就只有哭死了

-- by 会员 WaterWalker (2010/2/2 4:01:19)

hand~

俺就是觉着给万恶的资本主义吃了不划算阿. 俺是想回国的，不用这个钱，不就等于捐献给米帝了...

就是说可以401K转IRA, 然后用IRA付学费？在fidelity上再开个IRA?能转进去多少，每年5000还是没有限制

俺们公司今年把401全部给fidelity管理了...

-- by 会员 caopp (2010/2/2 4:33:21)

//hand
same here，肯定要转出来，里面公司股票就占了一大块，走出公司第一件事情就是把他们转掉。

kdream

嗯，所以我说我这方面的信息就是一个大概印象，还是需要再确认啊，好久没付过学费了，很多政策却是一直在更新的。

-- by 会员 ziye210 (2010/2/2 5:16:46)

哪里哪里，要不是你提醒我还忘了lifetime learning credit，呵呵。这串帖子简直太有用了！

-- by 会员 kdream (2010/2/2 5:28:27)

不过这个有收入限制啊
The maximum amount of the tuition and fees deduction you can claim is $4,000 per year. The deduction is further limited by income ranges:
$4,000 max for income up to $65,000 ($130,000 for joint filers)
$2,000 max for income over $65,000 up to $80,000 ($160,000 for joint filers)
no deduction for income over $80,000 ($160,000 for joint filers).

-- by 会员 WaterWalker (2010/2/2 5:37:35)

不是，我是说lifetime learning credit。
那个tuition fees deduction 2009是最后一年，不想了。（除非奥巴说再延几年。。。哈哈）

WaterWalker

嗯，所以我说我这方面的信息就是一个大概印象，还是需要再确认啊，好久没付过学费了，很多政策却是一直在更新的。

-- by 会员 ziye210 (2010/2/2 5:16:46)

哪里哪里，要不是你提醒我还忘了lifetime learning credit，呵呵。这串帖子简直太有用了！

-- by 会员 kdream (2010/2/2 5:28:27)

不过这个有收入限制啊
The maximum amount of the tuition and fees deduction you can claim is $4,000 per year. The deduction is further limited by income ranges:
$4,000 max for income up to $65,000 ($130,000 for joint filers)
$2,000 max for income over $65,000 up to $80,000 ($160,000 for joint filers)
no deduction for income over $80,000 ($160,000 for joint filers).

-- by 会员 WaterWalker (2010/2/2 5:37:35)

不是，我是说lifetime learning credit。
那个tuition fees deduction 2009是最后一年，不想了。（除非奥巴说再延几年。。。哈哈）

-- by 会员 kdream (2010/2/2 5:39:37)

就是lifetime learning credit有收入限制啊

kdream

嗯，所以我说我这方面的信息就是一个大概印象，还是需要再确认啊，好久没付过学费了，很多政策却是一直在更新的。

-- by 会员 ziye210 (2010/2/2 5:16:46)

哪里哪里，要不是你提醒我还忘了lifetime learning credit，呵呵。这串帖子简直太有用了！

-- by 会员 kdream (2010/2/2 5:28:27)

不过这个有收入限制啊
The maximum amount of the tuition and fees deduction you can claim is $4,000 per year. The deduction is further limited by income ranges:
$4,000 max for income up to $65,000 ($130,000 for joint filers)
$2,000 max for income over $65,000 up to $80,000 ($160,000 for joint filers)
no deduction for income over $80,000 ($160,000 for joint filers).

-- by 会员 WaterWalker (2010/2/2 5:37:35)

不是，我是说lifetime learning credit。
那个tuition fees deduction 2009是最后一年，不想了。（除非奥巴说再延几年。。。哈哈）

-- by 会员 kdream (2010/2/2 5:39:37)

就是lifetime learning credit有收入限制啊

-- by 会员 WaterWalker (2010/2/2 5:41:38)

可是你列的是deduction啊，晕了。。。

Doer

I think lz can get loan on your current active 401k account. The loan amount depends on the policy of your 401k institute. You can call them to verify how much you can borrow.
If you're not actively contributing to the 401k account, you can withdraw the money from that account after paying 20% federal tax, plus any other tax the state may charge.
If you already rolled over your inactive 401k account to an IRA, then there's no problem to take out all the money after you pay the tax. I'm not sure if you can roll over an active 401k to an IRA. You should check with your 401k management institute.

caopp

I think lz can get loan on your current active 401k account. The loan amount depends on the policy of your 401k institute. You can call them to verify how much you can borrow.
If you're not actively contributing to the 401k account, you can withdraw the money from that account after paying 20% federal tax, plus any other tax the state may charge.
If you already rolled over your inactive 401k account to an IRA, then there's no problem to take out all the money after you pay the tax. I'm not sure if you can roll over an active 401k to an IRA. You should check with your 401k management institute.

-- by 会员 Doer (2010/2/2 5:49:11)

Thanks, I have an active 401K. I will call and check.

kdream

I think lz can get loan on your current active 401k account. The loan amount depends on the policy of your 401k institute. You can call them to verify how much you can borrow.
If you're not actively contributing to the 401k account, you can withdraw the money from that account after paying 20% federal tax, plus any other tax the state may charge.
If you already rolled over your inactive 401k account to an IRA, then there's no problem to take out all the money after you pay the tax. I'm not sure if you can roll over an active 401k to an IRA. You should check with your 401k management institute.

-- by 会员 Doer (2010/2/2 5:49:11)

Thanks, I have an active 401K. I will call and check.

-- by 会员 caopp (2010/2/2 7:39:52)

你是读full-time么？如果是的话，辞职的时候一次性roll over。见我前面引用的连接，说得很清楚的。