Yeah, I know they've been discussed but when I do a search I get an error as "529" is too short. I understand the earnings portion of the 529 is treated as normal income if withdrawn in full for someone attending a service academy. We are having our 2021 DD withdraw the money in 2018 as this will probably be the year with her lowest tax liability for some time. 2017 she had her enlisted pay, so we held off. DS is going to be a 2022, so no need to transfer it to him. Is there any requirement as to where this money should be deposited? Does it have to go into her Cadet account or can she just deposit it in her checking account?