<p>also does he have to include her on the CSS profile</p>
<p>Because both spouses’ income are the “household income”.</p>
<p>For example…</p>
<p>say the NCP is the wife who makes little money. But her second-H makes LOTS of money. Why should colleges only look at her income? She isn’t living just on her income. Her income isn’t what’s paying for her household.</p>
<p>The calculations are trying to determine what money is “left over” after basic household expenses. The formulas won’t work if only one spouse’s income is used. </p>
<p>To further clarify, if the wife is only earning $40k per year, and only her income were used, the formula would WRONGLY assume that her $40k was being used to pay rent, utilities, car, gas, insurance, food, clothing, etc. </p>
<p>the NCP makes an okay salary but his new wife works at supermarket, so maybe that will help me</p>
<p>It’s their total income that will get calculated. Have you talked to them about how much they’ll contribute towards college?</p>
<p>It sounds like they could have an income of $80k+. </p>
<p>no they will not contribute anything, they are really cheap. The new wife does not even want to add her information. She thinks it is an invasion of her privact.</p>
<p>i meant privacy</p>
<p>If she does not provide her income, the school may not provide any need based aid for your kid. If they haven’t read it yet, send a link to the CSS Profile info to your ex so he can read the rules and talk with her. Of course it is an invasion of privacy – but you and your ex are asking for someone else to pay your kid’s college bills, and you need to prove that your family’s income and assets are not sufficient. She married into your kid’s family… so her assets and income are part of what the colleges look at. No info, no grants… I do agree that many parents are ignorant of this fact and remarry without considering it (I know because my ex did, and very much limited the aid D2 is getting from what it would be if they had waited a few years to tie the knot).</p>
<p>Not sure if you are the student or CP, but make sure the NCP and his wife understand that neither of you will see their information.</p>
<p>the problem is that the schools that require NCP info will not process your aid applications without the dad’s completed form (which includes his wife’s info). </p>
<p>The schools won’t just think, “oh she works for a supermarket, so she’s not earning a lot.” They’re not going to just believe that based on what you tell them. They’re going to say, “we need a completed form or we can’t process your aid app.” That would mean that all you can get is federal aid which is VERY little.</p>
<p>If you knew that they weren’t going to contribute, then WHY did you apply to schools that required their info? did you expect that your mom was going to pay for her portion AND their portion? </p>
<p>Do you have any affordable schools that you and your mom CAN afford? </p>
<p>I agree that they should help out with tuition. He is in idiot so I cannot explain why he does what he does and neither can I explain what she does. This is one reason that we are divorced. I checked the list of colleges that use the CSS profile and this was his was not on the list. We obviously applied to other schools as well. The reason this is his top choice is because they have a great program for kids with learning disabilities.
Just for the record i am just asking questions to learn and there is no reason for one person to make harsh or what can be considered judgmental comments.
Since I am trying to convince him that lying and not including his wife’s income is wrong and unethical I would like to know how the schools find out that he is married. I can then pass this information on to him.
I am the CP and I have explained that too him. The issue is his wife does not want to share her information. </p>
<p>Does he file a joint tax return? The CSS schools require tax returns, and if they file jointly as most couples do, it will be obvious. And they will see her income as well, unless they are also cheating on their taxes.</p>
<p>If their concern is security of the data so you and your kid can’t see it, this help screen might help, as it talks about how only he would have access (hmm, the link didn’t copy right, try cutting and pasting it into your browser).</p>
<p><a href=“https://ncprofile.collegeboard.com/ncpWeb/pageflows/NCP1415/Help/getHelpContent.do?relativePath=/profile/html/1415_ncp_before_you_begin.html&contentTitle=Before”>https://ncprofile.collegeboard.com/ncpWeb/pageflows/NCP1415/Help/getHelpContent.do?relativePath=/profile/html/1415_ncp_before_you_begin.html&contentTitle=Before</a> You Begin</p>
<p>If he is married and does not provide the wife’s income and assets, the schools WILL request this before processing the need based aid package. Period. </p>
<p>So…if this student expects a need based aid award from this school, he needs a complete financial aid application packet. If the school requires the NCP Profile, then the wife’s information is required as well.</p>
<p>I too am confused. These posts are written like a HS student but sort of sound like the parent point of view.</p>
<p>Yes they do and that is what I thought too. I passed this on to him</p>
<p>I think this is the parent (mom) posting.</p>
<p>And it just occurred to me that even if he is filing separately, his tax form still shows that he is married and filing separately. So the college WILL know, will ask for the information, and won’t give need based aid if they don’t get it.</p>
<p>No it is not written by a high school student. Thanks for all the helpful comments as well as the rude ones. Some of you ask like this is my fault. I was just asking some questions. It is not like I can control who my ex marries and what they do. Thanks again for all the “kind words”.</p>
<p>Well, you do want to make sure you have schools on your kid’s list that you know you can afford even if dad doesn’t pitch in. Don’t get too set on a “dream” school if you think you will have trouble getting your ex to provide FA info. And it is best if these conversations are held before applications go in, but at this point you just have to figure it out as best you can.</p>
<p>I all asked was how it worked. If you look at my previous post you will see that his top college was not on the list of schools that uses the CSS profile. We are not stuck on a “dream college”. He has many other choices. I just asked a question, that was it. Again, it was not on list.</p>
<p>Okay… just trying to help, if you are going to lash out at all posters, you won’t find too much help out here.</p>
<p>Even if they don’t file taxes jointly, if he filed separately as married, that would still let the schools know that he’s married. </p>
<p>" I checked the list of colleges that use the CSS profile and this was his was not on the list. "</p>
<p>?</p>
<p>So is this school on the CSS list or not?</p>
<p>FAFSA only schools will only ask for custodial parent information.
Schools that use their own money for aid will often use forms including PROFILE to identify exactly what the “need” is.
Public schools also can offer supports for students with learning disabilities, for instance TRIO.
<a href=“TRIO Home Page”>http://www2.ed.gov/about/offices/list/ope/trio/index.html</a>
Does he have an IEP or 504?</p>