{"id":5442,"date":"2023-08-08T09:46:15","date_gmt":"2023-08-08T09:46:15","guid":{"rendered":"https:\/\/www.wooshpay.com\/?p=5442"},"modified":"2023-08-08T09:46:16","modified_gmt":"2023-08-08T09:46:16","slug":"education-expenses-and-financial-options","status":"publish","type":"post","link":"https:\/\/www.wooshpay.com\/zh\/%e8%b5%84%e6%ba%90\/%e7%9f%a5%e8%af%86\/education-payments\/2023\/08\/08\/education-expenses-and-financial-options\/","title":{"rendered":"\u6559\u80b2\u8d39\u7528\u548c\u8d22\u52a1\u9009\u62e9"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" class=\"\" src=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/06\/educationpaymentsfromira_01.jpg?x-oss-process=style\/webp\" alt=\"Education\u00a0payments\u00a0from\u00a0ira\" width=\"770\" height=\"523\" \/><\/p>\n<div class=\"group w-full text-token-text-primary border-b border-black\/10 dark:border-gray-900\/50 bg-gray-50 dark:bg-[#444654]\">\n<div class=\"flex p-4 gap-4 text-base md:gap-6 md:max-w-2xl lg:max-w-[38rem] xl:max-w-3xl md:py-6 lg:px-0 m-auto\">\n<div class=\"relative flex w-[calc(100%-50px)] flex-col gap-1 md:gap-3 lg:w-[calc(100%-115px)]\">\n<div class=\"flex flex-grow flex-col gap-3\">\n<div class=\"min-h-[20px] flex flex-col items-start gap-3 overflow-x-auto whitespace-pre-wrap break-words\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\"><\/div>\n<\/div>\n<\/div>\n<div class=\"flex justify-between lg:block\">\n<div class=\"text-gray-400 flex self-end lg:self-center justify-center mt-2 gap-2 md:gap-3 lg:gap-1 lg:absolute lg:top-0 lg:translate-x-full lg:right-0 lg:mt-0 lg:pl-2 visible\">\n<div class=\"flex gap-1\"><span style=\"color: var(--wp--preset--color--paragraph); font-size: revert; background-color: var(--wp--preset--color--transparent); font-family: var(--wp--preset--font-family--plus-jakarta);\">\u5982\u679c\u60a8\u6709<a href=\"https:\/\/www.wooshpay.com\/zh\/education-solution\/\"> \u4e2a\u4eba\u9000\u4f11\u8d26\u6237<\/a> (IRA) \u8d26\u6237\u4e2d\u7684\u8d44\u91d1\u7528\u4e8e\u652f\u4ed8\u7b26\u5408\u6761\u4ef6\u7684\u6559\u80b2\u8d39\u7528\uff0c\u800c\u4e0d\u4f1a\u62db\u81f4\u7f5a\u6b3e\u3002\u6839\u636e<a href=\"https:\/\/www.wooshpay.com\/zh\/education-solution\/\"> \u56fd\u5185\u7a0e\u6536\u7f72<\/a> (\u6839\u636e\u7f8e\u56fd\u56fd\u7a0e\u5c40\uff08IRS\uff09\u7684\u89c4\u5b9a\uff0c\u5982\u679c\u8d44\u91d1\u7528\u4e8e\u7b26\u5408\u6761\u4ef6\u7684\u6559\u80b2\u5f00\u652f\uff0c\u60a8\u53ef\u4ee5\u4ece IRA \u4e2d\u63d0\u53d6\u8d44\u91d1\uff0c\u800c\u65e0\u9700\u652f\u4ed8\u901a\u5e38\u7684 10% \u63d0\u524d\u652f\u53d6\u7f5a\u91d1\u3002\u7b26\u5408\u6761\u4ef6\u7684\u6559\u80b2\u8d39\u7528\u5305\u62ec\u60a8\u3001\u60a8\u7684\u914d\u5076\u6216\u53d7\u629a\u517b\u4eba\u7684\u5b66\u8d39\u3001\u6742\u8d39\u3001\u4e66\u672c\u8d39\u548c\u5176\u4ed6\u76f8\u5173\u8d39\u7528\u3002\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u60a8\u53ef\u80fd\u4ecd\u9700\u4e3a\u63d0\u53d6\u7684\u91d1\u989d\u7f34\u7eb3\u6240\u5f97\u7a0e\uff0c\u8fd9\u53d6\u51b3\u4e8e\u60a8\u7684 IRA \u7c7b\u578b\u548c\u7eb3\u7a0e\u60c5\u51b5\u3002\u8981\u5c06 IRA \u4e2d\u7684\u8d44\u91d1\u7528\u4e8e\u6559\u80b2\u652f\u51fa\uff0c\u60a8\u9700\u8981\u9075\u5b88\u8d26\u6237\u63d0\u4f9b\u65b9\u7684\u89c4\u5b9a\u548c\u7a0b\u5e8f\u3002\u60a8\u53ef\u80fd\u8fd8\u9700\u8981\u54a8\u8be2\u8d22\u52a1\u987e\u95ee\u6216\u7a0e\u52a1\u4e13\u4e1a\u4eba\u58eb\uff0c\u4ee5\u4e86\u89e3\u63d0\u53d6\u8d44\u91d1\u53ef\u80fd\u6d89\u53ca\u7684\u7a0e\u52a1\u95ee\u9898\u3002<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><img decoding=\"async\" class=\"\" src=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/06\/educationpaymentstaxcredit_01.jpg?x-oss-process=style\/webp\" alt=\"\u6559\u80b2\u4ed8\u6b3e\u7a0e\u6536\u62b5\u514d\" width=\"774\" height=\"526\" \/><\/p>\n<p>\u7f8e\u56fd\u673a\u4f1a\u7a0e\u6536\u62b5\u514d\uff08AOTC\uff09\u662f\u4e00\u79cd\u7a0e\u6536\u62b5\u514d\uff0c\u53ef\u5e2e\u52a9\u60a8\u652f\u4ed8\u7b26\u5408\u6761\u4ef6\u7684\u6559\u80b2\u8d39\u7528\u3002\u5728\u4e2d\u5b66\u540e\u6559\u80b2\u7684\u524d\u56db\u5e74\uff0c\u6bcf\u4f4d\u7b26\u5408\u6761\u4ef6\u7684\u5b66\u751f\u6bcf\u5e74\u6700\u591a\u53ef\u83b7\u5f97 $2,500 \u7684\u51cf\u514d\u3002\u8981\u83b7\u5f97 AOTC \u7684\u8d44\u683c\uff0c\u60a8\u5fc5\u987b\u6ee1\u8db3\u4ee5\u4e0b\u8981\u6c42\uff1a\u60a8\u6b63\u5728\u4e3a\u81ea\u5df1\u3001\u914d\u5076\u6216\u53d7\u629a\u517b\u4eba\u652f\u4ed8\u5b66\u8d39\u3001\u6742\u8d39\u548c\u5176\u4ed6\u6559\u80b2\u76f8\u5173\u8d39\u7528\u3002\u60a8\u6b63\u5728\u5c31\u8bfb\u5b66\u4f4d\u8bfe\u7a0b\u6216\u5176\u4ed6\u516c\u8ba4\u7684\u6559\u80b2\u8bc1\u4e66\u8bfe\u7a0b\u3002\u5728\u7533\u8bf7\u5b66\u5206\u65f6\uff0c\u60a8\u672a\u88ab\u5224\u5b9a\u72af\u6709\u8054\u90a6\u6216\u5dde\u6bd2\u54c1\u7f6a\u3002\u8981\u7533\u8bf7 AOTC\uff0c\u60a8\u9700\u8981\u586b\u5199 8863 \u8868\u683c\uff0c\u5e76\u4e0e\u8054\u90a6\u62a5\u7a0e\u8868\u4e00\u8d77\u63d0\u4ea4\u3002\u5982\u679c\u60a8\u7528\u5956\u5b66\u91d1\u3001\u52a9\u5b66\u91d1\u6216\u5176\u4ed6\u514d\u7a0e\u6559\u80b2\u8865\u52a9\u91d1\u652f\u4ed8\u6559\u80b2\u8d39\u7528\uff0c\u53ea\u8981\u4e0d\u8d85\u8fc7\u60a8\u652f\u4ed8\u7684\u5408\u683c\u6559\u80b2\u8d39\u7528\u91d1\u989d\uff0c\u60a8\u5c31\u53ef\u4ee5\u7533\u8bf7\u8be5\u62b5\u514d\u3002\u503c\u5f97\u6ce8\u610f\u7684\u662f<a href=\"https:\/\/www.wooshpay.com\/zh\/education-solution\/\"> AOTC<\/a> \u5b83\u53d7\u6536\u5165\u9650\u5236\uff0c\u5982\u679c\u60a8\u7684\u6536\u5165\u8fc7\u9ad8\uff0c\u62b5\u514d\u989d\u53ef\u80fd\u4f1a\u51cf\u5c11\u6216\u53d6\u6d88\u3002\u5b83\u8fd8\u53ef\u80fd\u53d7\u5230\u5176\u4ed6\u89c4\u5219\u548c\u9650\u5236\u7684\u7ea6\u675f\u3002\u60a8\u53ef\u80fd\u9700\u8981\u54a8\u8be2\u7a0e\u52a1\u4e13\u4e1a\u4eba\u58eb\u6216\u53c2\u9605 IRS \u8d44\u6e90\uff0c\u4ee5\u4e86\u89e3\u6709\u5173 AOTC \u53ca\u5176\u4ed6\u65b9\u9762\u7684\u66f4\u591a\u4fe1\u606f\u3002 <a href=\"https:\/\/www.wooshpay.com\/zh\/education-solution\/\">\u6559\u80b2\u7a0e\u6536\u62b5\u514d<\/a>.<\/p>\n<p><img decoding=\"async\" class=\"\" src=\"https:\/\/wooshpay-official-img.oss-accelerate.aliyuncs.com\/wp-content\/uploads\/2023\/06\/schoolpaymentscotland_01.jpg?x-oss-process=style\/webp\" alt=\"\u82cf\u683c\u5170\u5b66\u6821\u4ed8\u6b3e\" width=\"767\" height=\"521\" \/><\/p>\n<p>\u5728\u82cf\u683c\u5170\uff0c\u6559\u80b2\u8d39\u7528\u7531\u653f\u5e9c\u8d44\u52a9\uff0c\u56e0\u6b64\u5728\u82cf\u683c\u5170\u4e0a\u5927\u5b66\u7684\u82cf\u683c\u5170\u5b66\u751f\u65e0\u9700\u7f34\u7eb3\u5b66\u8d39\u3002\u4e0d\u8fc7\uff0c\u4e0a\u5927\u5b66\u53ef\u80fd\u4f1a\u4ea7\u751f\u5176\u4ed6\u8d39\u7528\uff0c\u5982\u8bfe\u672c\u8d39\u3001\u4f4f\u5bbf\u8d39\u548c\u9910\u8d39\u3002\u51fa\u56fd\u7559\u5b66\u6216\u53c2\u52a0\u67d0\u4e9b\u9879\u76ee\u4e5f\u53ef\u80fd\u9700\u8981\u8d39\u7528\u3002\u6700\u597d\u4ed4\u7ec6\u5ba1\u67e5\u4e0e\u4e0a\u5927\u5b66\u76f8\u5173\u7684\u8d39\u7528\uff0c\u5e76\u8003\u8651\u5982\u4f55\u652f\u4ed8\u8fd9\u4e9b\u8d39\u7528\u3002\u5982\u679c\u60a8\u9700\u8981\u7ecf\u6d4e\u63f4\u52a9\uff0c\u53ef\u4ee5\u7533\u8bf7\u5404\u79cd\u52a9\u5b66\u91d1\u3001\u8d37\u6b3e\u548c\u5956\u5b66\u91d1\u6765\u5e2e\u52a9\u60a8\u652f\u4ed8\u6559\u80b2\u8d39\u7528\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>If you have an individual retirement account (IRA), you may be able to use the funds in the account to pay for qualified education expenses without incurring a penalty. Under the rules of the Internal Revenue Service (IRS), you can withdraw money from an IRA without paying the usual 10% early withdrawal penalty if the [&hellip;]<\/p>","protected":false},"author":5,"featured_media":5443,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[23],"tags":[393,394,392],"class_list":["post-5442","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education-payments","tag-american-opportunity-tax-credit","tag-education-costs-and-funding-in-scotland","tag-using-ira-for-education-expenses"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.8 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Education\u00a0Expenses and Financial Options - WooshPay<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/d2jcf4noflr1cd.cloudfront.net\/ko\/\ub9ac\uc18c\uc2a4\/\uc9c0\uc2dd\/education-payments\/2023\/08\/08\/education-expenses-and-financial-options\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Education\u00a0Expenses and Financial Options\" \/>\n<meta property=\"og:description\" content=\"If you have an individual retirement account (IRA), you may be able to use the funds in the account to pay for qualified education expenses without incurring a penalty. 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