| I've just graduated how to apply viarex Jim Flores and Maria Cramer opened a 529 account for their nine-year-old son Ben shortly after he was born, and have added about $4,000 to it every year since. This fall, however, they decided to scale that amount back in order to put money away for retirement. "We can't afford both, and know for college, loans are an option," said Flores, a schoolteacher in the Philadelphia suburbs.
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