@BelknapPoint The money is always considered by the SSA to be the parents and it is the parent’s discretion as to how that money is used. The SSA doesn’t track which account the money is paid into, but the IRS will. @Kaponator a 529 is your best bet right now and you can set it up very quickly. I think it’s in your best interest to get it into a 529 before Jan 1… @Madison85 is correct in my opinion. @CCDD14 is on to something. **** This is something I’ve been dealing with for years so I feel like I’m an “expert” even if I’m relatively new here!!