I noticed that on my daughters' W-2 no Social Security was taken out of their stipends. How does that affect their Soc. Sec. retirement benefit if they do not do the full 20 years? That is, if they are not paying into Soc. Sec. and only do the 5 years after college, they will have zero 's on their Soc. Security Retirement Statement for all those years, thus have an adverse affect on their Soc. Sec. Retirement payments - am I correct?