529的钱用不上了, 怎么处理

本来攒钱给孩子上私立大学的, 没上成, 去公校. 529攒的钱怎么处理? 没有siblings, 只有一个孩子.

 

下面这段话具体是怎么执行的, 什么时候必须withdraw可以免tax penalty?

 

There are a few special exceptions to the 10% penalty rule, including when the beneficiary becomes incapacitated, attends a U.S. Military Academy or gets a scholarship. In the case of a scholarship, non-qualified withdrawals up to the amount of the tax-free scholarship can be taken out penalty-free, but you'll have to pay income tax on the earnings. As Savingforcollege.com founder Joe Hurley likes to say, "the scholarships have turned your tax-free 529 investment into a tax-deferred 529 investment".