是用我的工資錢供孩子念書還是用學生貸款?

各位高手，我的工資大都存入 401K 退休帳戶了， 為了省點稅。現在孩子念研究生，
是用我的 Pre-Tax dollars 好呢， 還是用學生貸款? 請賜教。謝了。

[mesa]

當然是 student loan. 這還要想嗎?

[無知無為]

我建議你讓孩子參與你的決定，如此她他可以與你分享這個決定所帶來的未來（而不是相互抱怨）。可以兼顧綜合幾個方案，如申請資助、鼓勵孩子勤工儉學等。另外選擇學校，如是天才當然上常青藤有資助，不然可以選擇州內或職業學校。去查一查如今美國本科畢業找不到工作的多如牛毛，不少畢業生還重新花錢上職校呢

[car88]

No question at all... student loan. Why? Your retirement fund is your money. Your kid would definitely make more money than you make in his/her life so obviously he/she should pay his/her own student loan.

[smileJJ]

Blue Crab is so right. Get ready for your retirement first. Someone will loan your kid for education, but no one will loan you for retirement.

[bobo197]

what are your concerns?

[Blue.Crab]

From an investment viewpoint, you should not borrow against your retirement unless it is a real life or death emergency because (1) it is your last defense against uncertainty in life (2) The return on 401K investment is usually far better than the interest paid on student loans; your kid can pay off his/her student loans in 20, 30 or even 40 years (3) There are serious consequence and penalty if you can not pay the money back to your 401K.

[Blue.Crab]

It depends on your financial situation. Student loans have fairly low interest rate. I believe that most of Anglo American students will chose to use student loans instead of letting parents to pay for it in this kind of circumstance, especially use parents' retirement money. Please forgive me, your kid in his/her 20s has no sense of honor and pride.