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" ... However, selling insurance as a 7702 Plan and further as a college savings plan is misleading, if not outrightly deceptive, to consumers. Earnings grow tax-deferred, but distributions from a cash value policy are taxable to the recipient as income in the year they are received. Plus, it has a negative impact on financial aid eligibility. If the distribution is to the parent it will count against them at a whopping 20% in the EFC (Expected Family Contribution) formula for the following year (the EFC is part of the financial aid formula used by the federal government to determine your eligibility). If that distribution is to the student it rises to 50%. You have to reapply for financial aid every school year, so that payout will hurt for years. ... "
" ... While Cabello never called him out by name or outrightly talked about her real-life romance with fellow pop royalty Shawn Mendes, she alluded to being in love throughout the evening – and especially how it helped her songwriting. ... "