<p>Some TGT plans were purchased at 120 hours if done so before 1996. Ours is such a plan. Whether the plan is 120 or 128 hours, your child is only billed for the number of hours he/she takes in a semester. So, if one semester your kiddo takes 16 hours and the next semester he takes 14 hours, they deduct 30 hours. It is just a running total and not predicated on the number of years in attendance. He has ten years to use all of the plan’s hours you purchased.</p>