Background:
Already maxing out 401k, Roth IRA
Have an emergency fund
Live in California, no income deduction on 529 contributions.
Situation:
I plan on attending Physical Therapy school within the next 2-3 years. The costs of the schooling will be around $100k+. The length of PT school is 3 years.
I will have to take out a federal loan as well.
Question:
Would starting a 529 be advised for this time frame?
With a 529, can I pay my schooling with my own money first and then use the 529 to pay for it at a later date (like an HSA)?