<p>my mom is planning to move in with her boyfriend in may, near the time i'm graduating. she told me this morning, so it's kind of a shock. he owns a house but she said that it's refinanced or something, meaning he has to pay around $600 a month. she would be paying half that. it would help a great deal when it comes to her living expenses since i have two brothers and we rent a house for almost $1000 a month. all of the schools that i'm considering, according to many NPC calculators (i know they're not 100% accurate, but it's an estimate) want my mom to pay $5000-6000. she makes less than $60k a year. if she moved in with her boyfriend, this would definitely be doable, BUT only if her boyfriend's income/assets don't count towards anything. we have no assets whatsoever, but he owns a house and i think he has a small business but i'm not totally sure...i was wondering, would his income/assets factor into my EFC at all? </p>
<p>i really need to figure this out now because i really want to apply ED to a school and this is pretty much the deciding factor. </p>
<p>also, my dad is not in the picture at all. there's no contact whatsoever and hasn't been for years. they were never married. i hear it's really hard to get this proved/get a CSS waiver, but i have to try. </p>
<p>but long story short, will my mom's boyfriend's income and assets factor into my EFC at all if she's living with him?</p>
<p>Sounds like your mom would be wise to set up that she pays rent to her bf and she should keep expenses separate (and not marry while you are on FA at an expensive college_. Otherwise I can’t see how the bf would be expected to contribute to your college. </p>
<p>You will have to get the waiver for your father’s info. My daughter’s waiver was accepted and I think someone at her boarding school signed off on it to support the no contact claim. You will need 3rd parties that are credible who are aware of the situation, usually counselors or clergy.</p>
<p>Are you sure that ED is wise in the circumstances of needing aid? We did not do ED because of needing to look at financial packages.</p>
<p>i looked at the common law marriage states, and mine isn’t one of them…</p>
<p>there’s something else i forgot to mention: she’s still technically married to someone in prison. he’s not my biological dad, but i guess he’s technically my step dad, which still counts, i know. they got married a really long time ago and he’s been in jail for the past maybe 8 years. i can’t even remember why they aren’t divorced yet, i think it was probably because she couldn’t afford it, maybe? i guess that factors in, too, but does it affect anything? he has no money, assets whatsoever, either. what does that change? (so, she wouldn’t be getting married to her boyfriend any time soon…)</p>
<p>@BrownParent: i think i could easily get someone to sign off on that. he’s not on any papers as my father, it’s not in writing anywhere, and he wasn’t even listed as my father on my birth certificate. my school counselors know that. </p>
<p>and yeah, i know it’s kind of risky and i kept going back and forth on this…but i think it would really help my chances with acceptance and i need all the help i can get, you know? having the decision in my hand at the end of this year would relieve so much stress. if my mom definitely can’t afford it no matter what, then obviously i would just move on with my other applications. this is by far my favorite school, so i’m just trying to put everything i can into it. the school meets 100% of need (i know, it’s what they consider your need) and the NPC calculator gave me something my mom could do if she moved in with her boyfriend, and my counselor said i should go for it if the NPC gave me a decent estimate.</p>
<p>Your mother would file the FAFSA as separated, because she is still legally married to someone else although she does not live with your step dad.</p>
<p>Where is your biological father? It does not matter whether or not he is listed on your birth certificate, You must either provide your biological father’s income and assets or apply for a non-custodial waiver.</p>
<p>Monies paid of your behalf (if bf pays the rent) must be listed on the FAFSA</p>
<p>i don’t know where he is, that’s why i was going to apply for a waiver. </p>
<p>what exactly would those monies be other than rent? if he and my mom lived together and he paid $300 of the rent, would that be the only thing i put down? assuming she paid for everything else for me (food, clothes, etc.)? would it matter that he owns a house and has a small business?</p>
<p>I’m in a similar situation. My mom’s and her boyfriend have been living with each other for 5 years. He does give her money from his paycheck each month; however, it’s not specifically for rent, utilities, or anything of that nature, he just gives it to her. Does she have to claim the fact that he lives with us or gives her any support?</p>