### Comment:
I’m not even sure the college system we know now will still exist in 18 years. My state already offers free tuition for nearly anyone with a brain cell. Actually just read she can use it to pay for K-12 , that’d be awesome if she could not go to public school!  
  
 I’m thinking the UGMA is the move. If I read right each of us contributors gets up to 15k tax incentive for contributions.

### REPLY:
Yeah sounds like you made your decision. Contributions are based on the gifting tax limit. $15K if you file individual and $30K if you file 
 Jointly. That is the contribution limit without incurring federal gift tax.

### END.