For Tia Brown, tapping into her 529 plan was the perfect solution when her son struggled with adjusting to eighth grade. Brown said she was unaware that 529 accounts could be used for anything other than qualified college costs until a financial advisor brought it to her attention. With 529 plans, parents can withdraw up to $10,000 per year per beneficiary for tuition to cover public, private or religious K-12 education. 

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