Of course it's not a slam dunk, but it's literally the best and (besides the complicated SNT) only option. Obviously, if you go over the limit, they would be d

Of course it's not a slam dunk, but it's literally the best and (besides the complicated SNT) only option. Obviously, if you go over the limit, they would be disqualified while the balance is over. Again, I think you are way over-thinking this: - If the kid is responsible enough to handle it, then there is no problem. - If the kid isn't responsible enough, then someone will be the responsible party. - If you don't know if the kid is responsible enough yet, then you assume they aren't for the time being. No problem arises regardless of the state of their financial responsibility. It's not rocket science. As for waiting or not, that's your call, but you want compounding to work in your favour. Our current plan is ABLE and start the SNT hassle up as we approach the limit(which hopefully will go up before we reach it).