How do you solve this?

Steve and Steph feel that they make and have plenty of money to send their two children to the best university available; therefore, they rejected their banker's suggestion to open college savings plans. Which of the following reasons should persuade them to invest in a college savings plan?

Possible answers:

• Steve and Steph may qualify for state tax deductions under Section 529 plans and can definitely shield some of their unearned income from taxes.
• The government subsidizes Section 529 plans, so they might as well take the free money.
• Colleges will offer tuition rebates for students who do use college savings plans.
• Steve and Steph still qualify for American opportunity tax credits even if they contribute to Coverdell Education Savings Accounts that provide tax-free earnings. ( THIS IS NOT THE ANSWER)