Beyond 529s: Smart Strategies for Paying for College
05/28/2026
When it comes to paying for college, many families feel the pressure long before move‑in day. Between rising costs and all the advice out there, it can be hard to know where to start. The good news is, paying for college doesn’t come down to one perfect answer.
Why 529 Plans Are a Popular Starting Point
When families hear “paying for college,” 529 plans are usually the first thing they think of. At a high level, what is a 529 plan—and why do so many families rely on them?
529 plans are popular for a reason—they’re a great planning tool. They let families save for education with some tax advantages, and the money can be used for things like tuition, fees, books, and more. If you start early, they can really take some of the pressure off later.
Options Beyond the 529 Plan
The reality is, not every family has a 529—or started one early enough. What other options should people know about?That’s actually more common than people think. The good news is, a 529 doesn’t have to do all the heavy lifting. Scholarships, grants, work‑study programs, employer tuition benefits, and even paying some costs as you go can all play a role. College is usually funded with a strategy, not just one account. As an added member benefit, FORUM offers seven, $5,000 collegiate scholarships annually. Click here to learn more.
Smart Borrowing for College Costs
Student loans often fill the gap. How do families use loans wisely without setting themselves up for stress down the road
It’s all about borrowing with intention. Start with federal student loans—they tend to have better protections. Then look at what the monthly payments will be after graduation. If the payment doesn’t match future income, that’s a red flag. Loans can help—but they should fit into a bigger plan. FORUM offers a variety of student loan programs for undergraduate and graduate students. To learn more about Student Loans for FORUM Credit Union by Sallie Mae® or to apply, get started here.
A Plan Makes All the Difference
If someone feels overwhelmed by all of this, what’s the one thing you want them to remember?
You don’t have to figure out college costs alone—and you don’t have to do it one perfect way. Whether it’s a 529 plan, financial aid, loans, or a mix of everything, having a plan makes all the difference. The earlier you start the conversation, the more options you create. FORUM offers Financial Coaching to provide you with personalized guidance. Learn more.