{"id":5752,"date":"2022-02-22T09:13:00","date_gmt":"2022-02-22T17:13:00","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=5752"},"modified":"2023-09-19T12:28:27","modified_gmt":"2023-09-19T20:28:27","slug":"%e5%ad%a6%e8%b3%87%e7%a9%8d%e3%81%bf%e7%ab%8b%e3%81%a6529%e3%83%97%e3%83%a9%e3%83%b3%e3%81%aefaq","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/%e5%ad%a6%e8%b3%87%e7%a9%8d%e3%81%bf%e7%ab%8b%e3%81%a6529%e3%83%97%e3%83%a9%e3%83%b3%e3%81%aefaq\/","title":{"rendered":"\u5b66\u8cc7\u7a4d\u307f\u7acb\u3066529\u30d7\u30e9\u30f3\u306eFAQ"},"content":{"rendered":"\n<p>\u4eca\u56de\u306f\u5b66\u8cbb\u7a4d\u307f\u7acb\u3066\u306e\u305f\u3081\u306e529\u30d7\u30e9\u30f3\u306b\u3064\u3044\u3066\u306e\u3088\u304f\u3042\u308b\u3054\u8cea\u554f\u3068\u56de\u7b54\u3092\u307e\u3068\u3081\u3066\u307f\u307e\u3057\u305f\u3002529\u30d7\u30e9\u30f3\u306b\u306f\u3001Prepaid Plan\uff08\u7279\u5b9a\u306e\u5927\u5b66\u306e\u5b66\u8cbb\u3092\u3001\u304a\u5b50\u3055\u3093\u304c\u5165\u5b66\u4ee5\u524d\u304b\u3089\u524d\u5012\u3057\u3067\u6255\u3063\u3066\u3057\u307e\u3046\u30bf\u30a4\u30d7\u306e\u30d7\u30e9\u30f3\uff09\u3068\u4e00\u822c\u7684\u306a\u7a4d\u307f\u7acb\u3066\u30d7\u30e9\u30f3\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u4ee5\u4e0b\u3067\u306f\u5f8c\u8005\u306e\u65b9\u3092\u524d\u63d0\u306b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:43px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>529<\/strong><strong>\u3078\u306e\u7a4d\u7acb\u306f\u30ae\u30d5\u30c8\uff1f<\/strong><strong><\/strong><\/p>\n\n\n\n<p>\u305d\u3046\u3067\u3059\u3002529\u53e3\u5ea7\u306f\u3001\u901a\u5e38\u53e3\u5ea7\u540d\u7fa9\u304c\u7a4d\u307f\u7acb\u3066\u3092\u3059\u308b\u89aa\u3001\u30d9\u30cd\u30d5\u30a3\u30b7\u30e3\u30ea\u30fc\u304c\u5b50\u3069\u3082\u306b\u306a\u308a\u307e\u3059\u3002\u7a4d\u307f\u7acb\u3066\u305f\u304a\u91d1\u306f\u3001\u89aa\u304b\u3089\u5b50\u3069\u3082\u306b\u30ae\u30d5\u30c8(\u8d08\u4e0e)\u3055\u308c\u305f\u3068\u307f\u306a\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u3092<\/strong><strong>529\u306b\u5165\u308c\u308b\u5834\u5408\u306f\u8d08\u4e0e\u7a0e\u304c\u304b\u304b\u308b\u306e\u3067\u3059\u304b\uff1f<\/strong><\/p>\n\n\n\n<p>2022\u5e74\u73fe\u5728\u3001\u5e74\u306b\u8d08\u4e0e\u8005\u3072\u3068\u308a\u3042\u305f\u308a$16,000\u307e\u3067\u306eGift Tax Exclusion\uff08\u8d08\u4e0e\u7a0e\u63a7\u9664\u984d\uff09\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3054\u592b\u5a66\u3067\u3042\u308c\u3070\u3001\u3053\u306e\u984d\u306e2\u500d$32,000\u304c\u304a\u5b50\u3055\u3093\u4e00\u4eba\u306b\u5bfe\u3057\u3066\u8d08\u4e0e\u7a0e\u63a7\u9664\u3067\u7a4d\u307f\u7acb\u3066\u3089\u308c\u307e\u3059\u3002\u8d08\u4e0e\u63a7\u9664\u3068\u3044\u3046\u306e\u306f\u3001\u3053\u306e\u7bc4\u56f2\u4ee5\u4e0b\u306e\u8d08\u4e0e\u3067\u3042\u308c\u3070\u3001\u30bf\u30c3\u30af\u30b9\u30ea\u30bf\u30fc\u30f3\u3067\u7533\u544a\u306e\u5fc5\u8981\u3082\u306a\u304f\u3001\u307e\u305f\u8d08\u4e0e\u7a0e\u306e\u8ab2\u7a0e\u3082\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\u3082\u3063\u3068\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u3092\u7a4d\u307f\u7acb\u3066\u305f\u3044\u5834\u5408\u306f\uff1f<\/strong><strong><\/strong><\/p>\n\n\n\n<p>\u5e74\u9593$16,000\u306a\u308a$32,000\u306a\u308a\u306e\u9650\u5ea6\u3088\u308a\u3082\u7a4d\u307f\u7acb\u3066\u3092\u3057\u305f\u3044\u5834\u5408\u306f\u3001Special Rule\u3092\u9069\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3053\u306eSpecial Rule\u3067\u306f\u3001\u307e\u3068\u307e\u3063\u305f\u7a4d\u7acb\u984d\u3092\u300c5\u5e74\u9593\u306b\u5206\u6563\u3057\u3066\u7a4d\u307f\u7acb\u3066\u305f\u3068\u3057\u3066\u307f\u306a\u3055\u308c\u308b\u300d\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001$50,000\u3092\u7a4d\u307f\u7acb\u3066\u305f\u5834\u5408\u3001\u4eca\u5e74\u3092\u542b\u3081\u30665\u5e74\u9593\u3001$10,000\u305a\u3064\u3092\u7a4d\u307f\u7acb\u3066\u305f\u3068\u307f\u306a\u3055\u308c\u3001\u4e0a\u306e\u8d08\u4e0e\u7a0e\u63a7\u9664\u306e\u67a0\u5185\u306b\u53ce\u3081\u308b\u65b9\u6cd5\u3067\u3059\u3002\u30bf\u30c3\u30af\u30b9\u30ea\u30bf\u30fc\u30f3\u306e\u3068\u304d\u306b\u3001\u3053\u306eSpecial Rule\u3092\u9069\u7528\u3057\u305f\u3068\u3057\u3066\u5831\u544a\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306eSpecial Rule\u306e\u6700\u5927\u9650\u5ea6\u306f\u3001\u305d\u306e\u5e74\u306e\u8d08\u4e0e\u7a0e\u63a7\u9664\u984d\u306e5\u5e74\u5206\u3067\u3059\u30022022\u5e74\u306a\u3089\u3070\u3001$16,000\/\u8d08\u4e0e\u8005\u306b\u3064\u304d\u3000\u306e5\u5e74\u5206\u3067$80,000\u3001\u3054\u592b\u5a66\u3067$160,000\u3067\u3059\u3002\u306a\u304a\u3001\u3053\u306e\u984d\u3092\u8d85\u3048\u305f\u7a4d\u7acb\u3092\u3057\u305f\u304b\u3089\u3068\u3044\u3063\u3066\u3001\u3059\u3050\u306b\u8d08\u4e0e\u7a0e\u304c\u304b\u304b\u308b\u304b\u3068\u3044\u3046\u3068\u305d\u3093\u306a\u3053\u3068\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u306e\u984d\u307e\u3067\u306f\u3001\u8d08\u4e0e\u306e\u7533\u544a\u3082\u8ab2\u7a0e\u3082\u306a\u3044\u3068\u3044\u3046\u3060\u3051\u3067\u3059\u3002\u3053\u306e\u984d\u3092\u8d85\u3048\u308b\u3068\u3001\u8d08\u4e0e\u306e\u7533\u544a\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u8d08\u4e0e\u984d\u306e\u30c8\u30fc\u30bf\u30eb\u304c$12.06 \u30df\u30ea\u30aa\u30f3(2022\u5e74\u306e\u6570\u5b57\u3001\u4eca\u5f8c\u898b\u76f4\u3055\u308c\u4f4e\u304f\u306a\u308b\u53ef\u80fd\u6027\u3042\u308a)\u4ee5\u4e0b\u3067\u3042\u308c\u3070\u3001\u8d08\u4e0e\u7a0e\u306f\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u306a\u306e\u3067\u3001529\u306e\u7a4d\u307f\u7acb\u3066\u3067\u8d08\u4e0e\u7a0e\u304c\u304b\u304b\u308b\u3053\u3068\u3092\u5fc3\u914d\u3057\u306a\u304f\u3066\u306f\u306a\u3089\u306a\u3044\u30b1\u30fc\u30b9\u306f\u307e\u308c\u3067\u3059\u3002<\/p>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>529\u30d7\u30e9\u30f3\u306f\u5927\u5b66\u9662\uff08Graduate School\uff09\u306b\u3082\u4f7f\u3048\u307e\u3059\u304b\uff1f<\/strong><\/p>\n\n\n\n<p>\u4f7f\u3048\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\u30a2\u30e1\u30ea\u30ab\u4ee5\u5916\u306e\u5b66\u6821\u306b\u3082<\/strong><strong>529\u306f\u4f7f\u3048\u307e\u3059\u304b\uff1f<\/strong><\/p>\n\n\n\n<p>\u201cEligible Education Institution\u201d\uff08\u9023\u90a6\u653f\u5e9c\u8a8d\u5b9a\u306e\u6559\u80b2\u6a5f\u95a2\uff09\u3067\u3042\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u4e2d\u306b\u306f\u3001\u8077\u696d\u8a13\u7df4\u6821\u3084\u5916\u56fd\u306e\u5b66\u6821\u3082\u542b\u307e\u308c\u3066\u3044\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002US Department of Education\u304c\u3053\u306e\u8a8d\u5b9a\u6559\u80b2\u6a5f\u95a2\u306e\u30ea\u30b9\u30c8\u3092\u7dad\u6301\u7ba1\u7406\u3057\u3066\u3044\u307e\u3059\u3002<a target=\"_blank\" href=\"https:\/\/www.savingforcollege.com\/eligible-institutions\" >\u3053\u3061\u3089\u3067\u30c1\u30a7\u30c3\u30af\u3067\u304d\u307e\u3059<\/a>\u3002\u5916\u56fd\u306fState\u3092FC\u306b\u8a2d\u5b9a\u3059\u308b\u3068\u898b\u3089\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u305f\u3060\u3057\u3001\u4e0a\u306f\u4e00\u822c\u7684\u306a\u3053\u3068\u3067\u3042\u308a\u3001529\u30d7\u30e9\u30f3\u306b\u3088\u3063\u3066\u306f\u4e0a\u306e\u30ea\u30b9\u30c8\u306b\u5b8c\u5168\u306b\u6e96\u62e0\u3057\u3066\u3044\u306a\u3044\u3053\u3068\u3082\u3042\u308b\u3088\u3046\u3067\u3059\u3002\u6700\u7d42\u7684\u306b\u306f\u3001\u5404529\u30d7\u30e9\u30f3\u306b\u78ba\u8a8d\u3044\u305f\u3060\u304f\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u3082\u3057\u3082\u3001\u4e0a\u306e\u30ea\u30b9\u30c8\u306b\u540d\u524d\u304c\u3042\u308b\u306e\u306b\u3001\u3054\u81ea\u5206\u306e529\u30d7\u30e9\u30f3\u3067\u5e0c\u671b\u306e\u5b66\u6821\u304c\u30ab\u30d0\u30fc\u3055\u308c\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3070\u3042\u308c\u3070\u3001\u4ed6\u306e\u30ab\u30d0\u30fc\u3059\u308b529\u30d7\u30e9\u30f3\u306b\u304a\u91d1\u3092\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3059\u308b\u3053\u3068\u3067\u5bfe\u5fdc\u304c\u3067\u304d\u308b\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>\u79c1\u7acb\u306e<\/strong><strong>K-12\u306e\u5b66\u6821\u306e\u305f\u3081\u306b\u3082\u4f7f\u3048\u307e\u3059\u304b\uff1f<\/strong><\/p>\n\n\n\n<p>\u4f7f\u3048\u307e\u3059\u3002\u5e74\u9593$10,000\u307e\u3067K-12\u306e\u5b66\u8cbb\u3001\u5bee\u8cbb\u3001\u30e6\u30cb\u30d5\u30a9\u30fc\u30e0\u3001\u4ea4\u901a\u8cbb\u3001\u30b3\u30f3\u30d4\u30e5\u30fc\u30bf\u306a\u3069\u306b\u4f7f\u3048\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" 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