 yes then i would use the 529 to take me down to 35. i would use i would spend enough of the 529 that leaves you with 35 grand in that 529 and then let's see what happens you might need more of the 529 but if you don't have to touch the 529 after that then you will be able to start putting in let's say it was today if as long as the 529 has been open for 15 years you can put