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Evaluate College Savings vs. Costs Before Transferring

Tuition differences and other college expenses can affect how transfer students should use 529 savings.

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The decision should be based on how much the new school – either through course work or prestige – will boost the student's career potential after college, she says.

"Students are so young when they make these decisions – it's important that the decision is part of their overall career strategies," says Lee.

Trying to save for college? Get tips and more in the U.S. News College Savings 101 center.