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New Member
posted May 31, 2019 5:33:56 PM

Can i use Rollover IRA to pay for son's college without being penalized 10%?

I know the withdrawal is considered income and will be taxed that way. Question is about the 10% penalty.

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1 Replies
Expert Alumni
May 31, 2019 5:33:58 PM

Yes, you can. There is an exception for the early withdrawal penalty of the 10% tax for qualified higher education expenses. The expenses must be for you, your spouse or the children of you or your spouse.

Please see details below:

https://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-Tax-on-Early-Distr...

Page 25:

https://www.irs.gov/pub/irs-pdf/p590b.pdf