Can a 529 plan be used to pay for UC Santa Cruz room and board?
DIRECT ANSWER
Generally yes, if the student meets the IRS enrollment rules and the amount claimed stays within the qualified room-and-board limit.
IRS Publication 970 treats room and board as a qualified 529/QTP expense for an eligible student enrolled at least half time, subject to the federal limit based on the school's cost-of-attendance allowance or actual school-owned housing charge. Families should retain UCSC billing records and apply the IRS limit to the student's situation.
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