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<p>And not at all knowing the terms that this loan might entail, it means screwing up your plans without even asking? That makes no sense. </p>
<p>Ask, get terms, get information. When you have real information, make decision. </p>
<p>Figure out what you want to happen. Do everything you can to find out if it’s possible, and only if you’ve exhausted all of your options change your plans.</p>
<p>Keep in mind that your mom will have additional fees this year if she is going through a divorce. Attorneys fees add up.</p>
<p>CRD…I know that each state has different laws, but there are two trends that states usually follow. </p>
<p>1) marital debts are divided equally</p>
<p>2) marital debts are divided according to ability to pay…so the higher paid employed person pays off most debts (or all debts if the other spouse isn’t employed.)</p>
<p>Neither way bodes well for the well-paid mom unless the dad has since found very good employment (and his bankrupcy suggests otherwise).</p>
<p>She has an attorney who is familiar with the laws. We’re not going to be much help with that.</p>
<p>The attorney certainly can advise the mom on her best course of action with regards to the debts, and how these are affecting her credit score and ability to borrow.</p>
<p>But this student needs answers ASAP…and the divorce issues might not get resolved in time for the finances to be worked out for THIS school year. Thus the suggestion for deferring enrollment for the year, so that the finances can be worked out.</p>
<p>For all we know…this debt will not be discharged for the mom, thus leaving her with an inability to borrow.</p>
<p>Until the finances are worked out, this student cannot afford to attend this college…sorry to say. Someone has to pay the college bills, and unless this is resolved ASAP, it doesn’t seem from what was posted here that anyone has the resources to do so.</p>