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Who should pay for college?

My husband has 2 girls from his first marriage-oldest is in HS now. He pays over $1200 a month in child support and has since the kids were 3 and 2 (when they divorced). The mom remarried, had 2 more kids and her hubby has 1 from another marriage. They make ends meet but nothing over the top-and they make no bones about telling the girls with 5 kids in the house things must be cut or they don't have money for extras. Yes-despite the $1200 a month for our girls.

My hubby and I have college degrees and good jobs-we have one child because we don't think we can afford another (with day care college savings etc). We own our home, have money for some extras-but not loaded by any means. We also do stuff for the girls in addition to the child support. I have a college fund set up for my son so he can go to college with out needing to get loans since I am still paying my own student loans.

So here is the rub-the oldest is talking about college. That is good. But who should pay? To me, mom should have taken some of the support money and set up a college fund for each of them. She has not saved any of the money she was given and she doesn't spend her own money on them and has in the past said she used child support for her other kids or the new hubby's bills. My hubby has a small amount set aside for them but not much (won't cover one year tuition at current rates). So my question is this-should we tell mom to start saving some money for the girls? Or should we just tell them that thier mom didn't save any support money and we only have a small amount set aside so they need to either do community college and then take out loans to go to a four year school because we can not pay for college in full? I am getting the impression from the girls that they think we will pay the bill for them to go to college and that is not even a possibility for us to do. I just don't want them to find out senior year that we aren't able to cover tuition of $40K and then wonder why no one told them.

Update:

The ex has told me that she doesn't plan to chip in because the girls are smart and can get a scholarship-I tried telling her that is not realistic since we are in a very rural area with less than stellar schools so a "B" avg w/no extra curricular activites is not likely to get major scholarships. She didn't attend college and was sure I was wrong when I told her what the tuition is currently at the shcool the oldest is interested in-she said that was for the 4 years not per year. Yeah-not kidding on that.

Also-the step dad, and to be frank myslef, don't feel compelled to pay any on the kids higher education. We each have our own children to worry about. To me, my hubby has put some money aside and never missed or been late on a child support payment (even when he was laid off for 6 months and it was tough on us) the burden should fall back to mom. She has also signed the girls up for summer camps w/o asking us and then told us we need to pay $600 for the camp in 2 days. She paid 0

Update 2:

Not trying to stop him if he wants to help her out with in reason, ok. But I also don't look to have our household go broke trying to finance higher education for his girls. To be blunt-I think that burden should reside with the biologicals and not negativly impact the new households. I pay for all of my son's toys, clothes, child care, and have a college fund for him. His sister's aren't made to do without because of that in our home. Now if thier mother didn't plan better on how to pay for all of her children that is on her-I just want it to be clear to the girls that they need to get a job or plan on loans etc so they don't look at us on graduation day and ask if we paid the bill for college. I also think it should be made clear to the girls that $1200 a month has been handed over for 16 years-$230,400-so why has mom not set aside any for higher education and why do we keep doing extras (trips, camps, etc) and mom isn't doing basics? What the heck has she done with that money?

Update 3:

And yes-it does irk me, the girls go without stuff if we get it for them the other kids in thier mom's home tear it up or it just vanishes. I would have no issue doing more for them if it went to them-but it seems more and more we are helping to finance their mom's new family not our girls. And when my hubby brought this up, she didn't let the girls come over for a month (untill he said he would call the lawyer and have the court review the shild support). If we could actually afford to send them to college with no negative impact on us, I would. They are good kids and deserve a better situation than the one thier mom has put them in by expanding her family beyond her means to provide the best for each child. Maybe I just have an unrealistic view that a mom should put the child first-not blow child support money for one child on say a new van or digital tv-heck, I do without stuff so my son can have a college fund.

7 Answers

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  • Jen F
    Lv 4
    1 decade ago
    Favorite Answer

    Tell the girls: STUDENT LOANS

    My parents did not pay a cent for my education because it is just that MY education. They didn't even buy me one pencil during college. Not because they couldn't afford it, but because it was my choice to go to college, and it is my future it affected.

  • St N
    Lv 7
    1 decade ago

    I think it is extended family conference time, you and your husband, the two girls, the girl's mother and the step-father. Your point is that you will not be able to pay the full cost of tuition. Yes, the mother should also contribute, but that looks unlikely although there may be pleasant surprises. The girls can also contribute by getting jobs and putting 100% of the salary into a savings account for college. Run this idea by your husband before you call the conference. You have a few years before getting to the bridge, but as you have foreseen, now is the time to start developing a plan.

    Good luck.

  • 1 decade ago

    Sounds to me like a good case for just telling them to get student loans. Put it back on them-if they complain about it tell them to ask mom where the child support money went. I wouldn't shell out money for them to go to college if mom isn't paying at least half the bill. Sounds to me like she views the child support more as her money not the kids money. Sad that she has blown all that money on things other than the 2 kids she is supposed to use it for. I would toss the whole hot mess back on her - let the kids know how there "mom" is and what she has cost them. Some women shouldn't breed.

  • 1 decade ago

    Ok, this is kind of a weird question because you go from talking in first person to third person.... but imo it should be split. The 1,200 a month was to feed the kids, pay for daycare, and fun activities, not so much to save for college although if you had told her that you did not plan on paying for any college and that the child support was all she was gonna get then maybe i could understand.

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  • Anonymous
    1 decade ago

    Sounds to me like a private matter you should be discussing with your husband! Not on Y/A! If she really wants to go, she can go with and without your help. Just like you are paying your student loans just like I am. she can do it too. However, I really hope her dad (your husband) helps her out regardless of what her biological mother does. And I hope you don't try to stop him.

    Source(s): Never had any step mom and hope I never will! BTW, I'm under 25, paying off my own student loans without parents' help. They broke up just your stepdaughter's parents. I'm handling grad school too. Going for my doctorate soon.
  • 1 decade ago

    it should be split as evenly as possible. regardless of whether or not the ex saved anything for them or not. its both of theirs child, so they both should have to pay.

    i dont know how you could bring up the convo about splitting it though. but i can tell you i dont think its fair that you and your husband saved and the ex wife did not. whatever the reason may be, she should have put at least some of it aside for them

  • 1 decade ago

    They can get jobs or go in the military to get money for school.

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