Non-Custodial Parent Contribution Penalization

cptofthehouse
Sat, 06 Apr 2013 14:28:01 +0000

Whoa, there. Doesn’t case ask for a NCP with the PROFILE? Did you answer questions pertain to her accurately? Honey, I don’t know if I even want to get involved with jar of worms.

Usually, schools that require PROFILE, which I believe Case does, require a NCP form or waiver. If you answered the questions correctly—that there is a bio mother alive, Case would have required a NCP form or waiver regarding your mother. I don’t know what to advise you as I am just a mom and I am not getting a good feeling about this.

The NCP form will want your mother’s information just as it asked about your parents’. Your other schools do not require PROFILE, so this won’t come into play with them, just Case. And it is highly likely, unless your mother is very low income, that the need package will be recomputed with her income and assets, plus if she’s remarried, her spouse’s. You say, Stepdad, so he will be dragged into this too, all of his income and assets, and if substantial can zero out your Case financial aid.

Only one parent needs to apply for the PLUS, not both of them. So your stepmother’s credit will not come into the picture unless there are any bills outstanding in your father’s name, if your father is applying for PLUS.

Talk to OSU’s financial aid office about that grant and what usually replaces it in future years.

Your mother can pay for the gap that OSU has and your dad will not have to borrow. That PLUS is 8% interest. Your mother can lend you the money and forgive it after graduation. If she can do this, it would make life a lot easier.

You need to do some research on Case and what your situation is. Unless your aid is mostly merit, you can have a problem here with unreported NCP in the picture. The pure merit part would be fine but if one of those Case grants is need based, I think you will lose it. You’ll get to keep the Stafford, and I don’t know what they will do with the work study and the Perkins.