College can feel impossibly far away when your children are young and you’re in the middle of a divorce. And then, somehow, senior year arrives—and suddenly you’re staring at FAFSA forms, financial aid applications, college lists, divorce agreements, remarriages, and the terrifying realization that some schools now cost close to six figures a year. In this episode of Divorce Happens, Olivia sits down with Vicki Vollweiler, founder of College Financial Prep, to unpack what divorced and separated parents need to know about paying for college, applying for financial aid, and creating a college strategy long before acceptance letters start arriving.
Vicki breaks down FAFSA for divorced parents, the CSS Profile, need-based financial aid, merit scholarships, student loans, and one of the biggest sources of confusion for divorced families: whose financial information actually counts. FAFSA generally looks at the parent providing more financial support to the student, while some colleges using the CSS Profile may request financial information from both parents—and potentially stepparents, too. That means divorce agreements, remarriage, household finances, and co-parenting dynamics can all affect the college financial aid process. Just as importantly, Vicki explains why parents should talk openly about the college budget early, without necessarily sharing every detail of their income or assets, so a teenager doesn’t spend senior year falling in love with a school the family was never realistically prepared to afford.
But underneath all the forms and financial strategy is something much more emotional: this is your child’s future, and for divorced parents, college may be one of the first major milestones that forces old family dynamics back to the surface. Vicki shares how she sometimes acts as an intermediary for parents who cannot communicate directly and why planning as early as 10th or 11th grade can reduce conflict, guilt, resentment, and financial stress later. Her simplest first step for overwhelmed parents? Find the tax return you’ll need for FAFSA. You do not have to solve college today. You just need to start building a strategy—because after divorce, clarity around college costs can give both parents and their child more choices, not fewer.
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