Does your student have their sights set on the University of Oxford, a semester in Barcelona, or a medical degree in Canada? One of the most common misconceptions about the Fidelity 529 is that it’s "locked" to the United States. In reality, your 529 is a global passport. As of late 2025, the rules for international study are more flexible than ever, but you need to know which expenses "fly" with the IRS and which ones stay grounded. 1. The "Title IV" Checklist For your Fidelity 529 withdrawal to be tax-free, the international school must be an "Eligible Educational Institution." How to tell: The school must participate in the U.S. federal student aid program (Title IV). The Scope: There are currently over 400 foreign universities that qualify. This includes giants like the University of Toronto , University of Melbourne , London School of Economics , and the American University of Paris . Quick Search: You can verify any school in seconds ...
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