<prompt> Human: My child has a full scholarship and stipend for graduate school, but still has around 90k in a 529 planHow can I use up this 529 money without incurring taxes or transferring it to a family member none to transfer it to?  <response>: keep it until hes done with school completely. in the last week ive read at least 3 posts about students who have lost their full rides for various reasons. better to hold on to it until hes completely done. then if there is still money left you can figure out what to do with it. 