Bullock!! You can't be serious!! The only people that this is appealing to are the individuals that take advantage of the system. Why should the taxpayers pay for the children of the unmotivated?? Besides that your numbers are bad math!! A 5000.00 US Bond would have to yield an average of 7.8% to yield over 20k in 20 years. Rather than rely on our government, I would prefer to deposit the 5000 myself. Yes that would be very tough and would take some time, But it would yield so much more. Take your same 5000.00 deposit into a 12%yielding money market fund. In 18 years you would have 49,921!! more than double what the government is promising!! And if you want to trust the Government that your money will be there (I have a SS program I would like to sell you)!! Keep your money in your own hands! Invest wisely! Stay off credit! Last but Not least keep these stupid ideas out of my taxes!!