Discover smarter ways to fund college without draining your 401(k).
College Funding Alternatives to Student Loans
Paying for college should not mean draining retirement accounts or overloading your family with debt
College costs are rising, but you do not have to raid your 401(k) or overload your child with student loans to pay for school. Rigel Blue Star Financial & Insurance Services LLC designs college funding strategies that protect your retirement and your child’s future.
Plan for college and retirement—without sacrifices.
- Are you paying for college in ways that may unintentionally derail your retirement?
- Have you explored all four main funding sources—free money, found money, borrowed money, and saved money—and how each affects your long‑term goals?
- Do you have a strategy so you are not forced to raid your 401(k), 403(b), 457, or brokerage account at the wrong time to fund tuition?
A college education can be one of the largest investments a family will ever make, and coordinating college funding with long‑term retirement planning is critical to protecting both your finances and your children’s future.
- Align college and retirement goals in one integrated plan.
- Use a mix of “free money, found money, borrowed money, and saved money” instead of reacting year by year.
- Reduce the risk of over‑borrowing or over‑spending from taxable and tax‑deferred accounts.
Explore better options than student loans.
