孩子单独保税，一万的收入不用上税，而且好像还有政府给学生的2000credit，可能更划算。

 

Taxpayers will receive a tax credit based on 100 percent of the first $2,000 of tuition, fees and course materials paid during the taxable year, plus 25 percent of the next $2,000 of tuition, fees and course materials paid during the taxable year.