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I like to have opinions--but not informed opinions. It takes so much work to get informed that it defeats the whole point of having an opinion in the first place,

Terry, you got a laugh out of me, with question #3. I feel your pain. #1 No dependency. He is not under age 24 and made over $3,650. #2 Whose name are the bonds in; if the parents, the interest is not exempt except for themselves or dependents; and apparently he is not a dependent. No matter what, it shoud not have any effect on the tuition credit. #3 Relatives or relatives of relatives seem to be the biggest thorns. Am glad you made me laugh, because we had snow on the ground this AM. I am NOT ready for that. 6 pm is not late to receive a call when you work from home. I had one Sunday night at 9:30.....I let the answering machine take it. :dunno: