Student Loan Application Form Registration Concept

If the Cook County Court orders, you must contribute to your children’s college expenses after a divorce. The Illinois Marriage and Dissolution of Marriage Act 750 ILCS 513 says that either or both of the parents can be ordered to pay “educational expenses for any child” incurred no later than the child’s 23rd birthday, and in no event later than the 25th birthday.

The courts require that parents must make contributions towards their children’s college considering these following factors:

  1. The present and future financial resources of both parties to meet their needs, including but not limited to, saving for retirement.
  2. The standard of living the child would have enjoyed had the marriage not been dissolved.
  3. The financial resources of the child.
  4. The child’s academic performance

These four factors are also what courts use to consider a modification of a previously entered order to pay educational expenses.

Illinois law defines “educational expenses” as the actual tuition and fees, on or off-campus housing expenses, medical and dental insurance and expenses, reasonable living expenses, and books and supplies. As for the tuition and fees and the housing expenses, they would only be your responsibility up to the amount these expenses would cost at the University of Illinois at Urbana-Champaign. Of course, your child does not have to go there for college, but that is the school the law uses as a “benchmark” for the maximum of what the parents would be financially responsible for.

The court can require both parents to complete a Free Application for Federal Student Aid (FAFSA) to try to mitigate the costs.

The court can require a parent to pay for five (5) college applications and two (2) college admissions tests.

The child must maintain a “C” average if the court is to continue obligating the parent to pay for the child’s college expenses.

If the parents have a 529 college savings account, that account will not be divided as a marital asset and will be applied for the benefit of the child.

In my personal experience, the cost of college is often prohibitive for many people and judges are loath to make large awards if the parents aren’t completely able to pay such an award without a dramatic impact on their financial well being. Judges also put a great deal of responsibility on the child’s effort to contribute (even though the judge has no jurisdiction over the child, directly as the child is now an adult over the age of 18).

If the child is college material, simply gather the child’s academic history and present that evidence to the court in a formal matter.

If a child is not “college material,” and one parent insists that the child is, this issue is best resolved by requesting a pretrial within the judge’s chambers.  This creates an opportunity to disclose unpleasant facts about the child’s academic potential without aggravating the other party or the child.

These situations are very difficult because the solution to paying for college expenses should be cooperation and agreement not formal litigation which just creates additional costs that could have been applied to the college expenses in the first place.

If your children have been accepted to college or university, you need to know how it will be paid.  Contact my Chicago, Illinois law firm and let’s begin the conversation as to how college will be paid for.