1875: Ask Farnoosh: How to Pay for College (Actually) + 529 Improvements

In this episode of So Money, host Farnoosh Torabi dedicates the conversation to college savings in recognition of College Savings Month. Returning guest Patricia Roberts, author of Route 529 and a leading expert on college savings, breaks down the latest updates to 529 plans, including expanded uses under the newly signed HR1 bill.

Together, they explore whether college is still worth the investment, the growing benefits of 529s for both K–12 and post-secondary credentials, and practical strategies for realistic saving. Listener questions are also answered—covering how to save for multiple children, the differences between federal and private loans, and when families might choose a 529 over alternative accounts like brokerage or custodial accounts.

Farnoosh and Patricia share practical tips for families at every stage of the college savings journey, emphasizing planning, flexibility, and smart use of resources, including employer contributions. This episode is a must-listen for parents and caregivers looking to secure a strong financial foundation for their children’s education.

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