What is the tax penalty for withdrawing money from a 529 college savings plan if my kid decides not to go to university?
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The searches the AI actually ran for this prompt.
SEED QUERY
What is the tax penalty for withdrawing money from a 529 college savings plan if my kid decides not to go to university?
1 real search · 1 real-search pass
IRS 529 plan nonqualified withdrawals 10% additional tax exceptions Roth IRA rollover 2026Google ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
IRS 529 plan nonqualified withdrawals 10% additional tax exceptions Roth IRA rollover 2026 Google ↗
- Publication 970 (2025), Tax Benefits for Education · irs.gov
- 10 Questions to Consider Before Opening a 529 Account - Investor Bulletin · investor.gov
- 26 U.S.C. § 529: Qualified tuition programs · uscode.house.gov
- An Introduction to 529 Plans - Investor Bulletin · investor.gov