I do have another related question that I think I know the answer, but again not sure. Assuming we are eligible for my child’s first year of college, let’s call it year 1, I know we won’t be eligible for year 2 because of the income requirement. However, we very well may be eligible in years 3 and 4. I saw in the FAQ section on the hesc website that once you have a year where you don’t meet the 30 credit/year requirement, you are out of the program. There is an appeal, but generally you can’t get back into the program after being out a year due to the credit requirement. I am wondering if that is true for the income requirement as well. In other words, would we be eligible for years 3 and 4 in my example above. This may affect whether I contribute to a Roth 401K or a traditional 401K going forward.