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2 different questions: Cow Loan, Taxes.

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1) Cow Loan. Why would they need a loan? Unless its to buy a car. Are there surprise costs that year? Do their stipends not cover it all?

2) Can we (parents) no longer claim our 18-19 yo college students as dependents? Not asking for tax advice, just wondering what others ahead of me have had to do or not do.

Thanks. I love all the advice here. (i.e. I never would have imagined to buy insurance. So much to learn.)

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