<prompt> Human: My 1-year-old son is receiving a 50k settlement due to an auto accident. The laws in my state require it to be put in an annuity that is payable when hes an adult. Ive been given three options and dont know what makes the most sense. OPTION 1Receive 17k per year for 5 years, starting at age 18.Guaranteed yield of 86kOPTION 2Receive 15k per year for 4 years, starting at age 18Receive 235mo for 4 years, starting at age 18Receive 20k at age 30Guaranteed yield of 91kOPTION 3Receive 10k at age 1820k at age 2125k at 2550k at 30Guaranteed yield of 105kObviously option 3 gets him the most money, which is awesome, but then he cant really use it for college. But if he gets large chunks of money each year, that will get counted against him in the FAFSA, right? Of course, our income will probablyhopefully be high enough that hes not going to get a ton of grant money either way. And he will probably need loans regardless, because google says the cost of in-state public tuition will be around 40kyear when our son is of college-age... Would love to see some different opinions on how to move forward. Thank you!!  <response>: Age 18: first year of college.Age 21: fourth year of college.Option 3 definitely helps him out in college. 