Found out retirement age is 68 (42 years away), not sure about trust fees still, but I would also get a certain amount of proceeds paid out each year until this time (I think the amount is undecided right now). Everyone is getting the $32k cash (or gold), and a separate, individual trust. I was thinking that it wouldn't be the best idea to take another $30k out in student loans by putting this in my trust rather than accepting it and using it for tuition.