Let's go by year.
Last year: The $6300 from last year can't be pulled out for school - you can't pay the school for 2024 fees now -but the excess can be used for this year's IRA contribution.
2025- The entire $7,000 can be pulled out since it is this year's 529 amount and it can go toward 529 qualified Room and Board and Qualified Education Expenses - Internal Revenue Service.
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