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Can you use a child’s 529 account to pay for child support?


In the realm of family law, unique situations often arise, prompting questions about the intersection of financial planning and legal obligations. A recent query from the Modern Divorce support group highlighted an intriguing scenario: a father considering using funds from a 529 college savings plan to pay child support. This situation, as explained by Billie Tarascio, Arizona family law attorney and owner of Modern Law, offers her answer surrounding 529 plans and child support obligations.

The Scenario: Extending Child Support for High School

In Arizona, the law mandates child support payments until a child turns 19, provided they are still in high school. Typically, this obligation ends at 18 if the child has graduated. In this case, a father, obligated to pay additional child support for a child doing an extra year in high school, contemplates using the child’s 529 plan to cover these payments.

Can the Child Sue for the 529 Funds?

The central question is whether the child can sue the parent for using the 529 plan funds for child support. The straightforward answer is no. The key lies in understanding the ownership of 529 accounts. These accounts belong to the owner, not the beneficiary. Therefore, if the father owns the 529 account, he is legally within his rights to use these funds for child support, even before the child turns 18.

Divorce Decrees and 529 Plans

However, nuances exist depending on the specifics of a divorce decree. In some divorces, 529 plans are treated as community property and divided accordingly. Alternatively, parents may agree to hold these funds in trust for the child. If the latter is stipulated in the divorce decree, then the mother could potentially challenge the father’s decision to use the 529 funds for child support.

Key Takeaways

  1. Ownership Matters: The owner of a 529 plan has the legal right to determine its use, including for child support payments.
  2. Divorce Decrees Can Influence: The terms of a divorce decree can dictate how 529 plans are handled post-divorce.
  3. Legal Guidance is Crucial: Navigating these complexities often requires the expertise of a family law attorney to ensure compliance with both financial and legal responsibilities.

This scenario underscores the importance of understanding the legal and financial intricacies involved in family law, especially when it intersects with educational funding and child support. For those facing similar situations, seeking legal advice is crucial to navigate these complex waters effectively.



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