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How complicated! Whew.
I'm no financial aid expert, but if you were my kid I guess I'd just try to do this as simply and straightforward as possible:
In your "household" it sounds like there are two -- you and your father. (Did he declare you a dependent on his taxes? I assume so.)
In your mother's "household" there are three -- your two siblings and your mother. (Again, assuming this is how the taxes are filed.)
I'm not sure what the options are for the question about the student's parents housing status. Obviously your mother will answer "own home", but for your father just pick whatever gets the closest. If that's "rent" then pick that, put in "0" for the amount of rent he pays and explain that in the Explanations/Special Circumstances question at the end of the form.
It does not seem to me that your dad would fill out anything related to the current market value of the home, amount owed, etc, because your mother will be doing that. You don't want it to be counted twice, plus your dad doesn't own the home anyway.
For predicted income, I would probaby put what the parent can expect in unemployment benefits in 2010, and also explain that in Explanations/Special Circumstances.
I believe if you make every effort to be honest and answer the best you can (and sometimes real lives don't fit so easily into forms, as we know!) that you will be fine. The Explanations question on the Profile will give you a place to explain your unusual situation. If a college wants to rearrange the information you provide in a slightly different way, they will do that and it's okay because you will have provided them with the best information you could under the circumstances. What they do with it is up to them, but they will not expect you to completely understand how their internal process works.
Remember, if you just lay it out honestly and as best you can, then if they need any supporting documentation or anything you'll be able to provide them that information and it will be consistent with what you already told them.
I know it's hard not to worry, but I'm sure they've seen countless student family and financial situations that are unique and complicated. They'll figure out how they want to evaluate it, and you can't control that anyway. Good luck!
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