<p>Swimcatsmom,
I’m curious how you do your spreadsheet. I’m winding up with a spreadsheet-like tally with a column for tuition+fees (end of Hope credits), books/supplies (end of tax-free scholorships) room/board (end of 529 money), health insurance, transportation, other taxable income. The rows are the various sources of money. How do you work the information to find your best allocation?</p>