---
title: Paying for College After Divorce
description: Divorce adds another layer of complexity to paying for college. Learn how divorce affects financial aid and what costly mistakes to avoid. Listen to hear how colleges calculate what you pay, what plans are helpful, and how to structure your divorce agreement to pay for less college.
image: https://www.mainlinedivorcemediator.com/hubfs/medium%20(1).jpeg
---

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# [Paying for College After Divorce](https://www.mainlinedivorcemediator.com/healthy-divorce-blog/paying-for-college-after-divorce)

 By [Judy Sciaky](https://www.mainlinedivorcemediator.com/healthy-divorce-blog/author/judy-sciaky)

"Who will pay for college?" Financing your child's education is confusing on its own, and divorce adds another layer of complexity. Learn how divorce affects financial aid, costly mistakes to avoid, and what you need in your divorce settlement agreement to make college affordable. Listen to hear how colleges calculate what you are expected to pay, when 529 plans are helpful, what types of financial aid are available, and how to structure your divorce agreement to pay for less college.

Key Points:  
- Understand the college's "expected family contribution" (EFC) and how divorce affects this important calculation.  
- Hear about the best ways to use 529 plans - plus other savings options that divorcing parents may want to consider.  
- Learn about each type of financial aid and how your decisions during the divorce can affect their eligibility.  
- Find out how to negotiate a smart divorce settlement agreement that maximizes your child(ren)'s eligible financial aid, minimizes taxes and creates a fair split of college costs between you and your spouse.

Listen to this episode:

## ABOUT OUR GUEST

#### **JUDY SCIAKY, CCPS®, RICP®, AP&G COLLEGE PLANNING**

![JUDY SCIAKY, CCPS®, RICP®, AP&G COLLEGE PLANNING](https://www.mainlinedivorcemediator.com/hs-fs/hubfs/medium%20(1).png?width=194&name=medium%20(1).png)About Judy: Judy Sciaky is a Certified College Planning Specialist (CCPS) and Retirement Income Certified Professional (RICP) who is dedicated to helping others avoid the mistakes that she made. As the founder of AP&G Financial and its subsidiary AP&G College Planning, her mission is to help families send their children to the school of their dreams without using all their savings, sacrificing their lifestyle or retirement, or going plain broke.

Judy is a member and partner of NACPE, the National Association of College Planning Experts, the leading authority on getting students accepted to their best suited college and getting grants and scholarships regardless of income or assets. AP&G and College Planning Experts have helped over 2500 families gain over twenty million dollars in financial aid. Judy has been featured on KYW. She is a member of the NICCP (National Association of Certified College Planners), the National Education Association, the Disciplined Advisor Network, the National Ethics Association, and the Better Business Bureau.

### ABOUT OUR HOST 

#### ADINA LAVER

![Adina_Laver](https://www.mainlinedivorcemediator.com/hs-fs/hubfs/Adina_Laver.png?width=187&name=Adina_Laver.png)In partnership with Main Line Family Law Center, Adina Laver  works with clients who are "on the fence", in the process of separating or getting a divorce, or are in any other way undergoing a significant change or transformation in their lives and who want to engage in this experience consciously and with integrity. Adina is also founder of Courage to Be Curious and formerly Divorce Essentials, a specialized divorce coaching and support services for those committed to a healthy path for reclaiming their lives. Contact Adina at [adina@couragetobecurious.com](mailto:adina@couragetobecurious.com) or follow her @AdinaLaver.

### About the Author

#### Judy Sciaky

![Picture of Judy Sciaky](https://www.mainlinedivorcemediator.com/hubfs/medium%20(1).png) Judy Sciaky is a Certified College Planning Specialist (CCPS) and Retirement Income Certified Professional (RICP) who is dedicated to helping others avoid the mistakes that she made. As the founder of AP&G Financial and its subsidiary AP&G College Planning, her mission is to help families send their children to the school of their dreams without using all their savings, sacrificing their lifestyle or retirement, or going plain broke. Judy is a member and partner of NACPE, the National Association of College Planning Experts, the leading authority on getting students accepted to their best suited college and getting grants and scholarships regardless of income or assets. AP&G and College Planning Experts have helped over 2500 families gain over twenty million dollars in financial aid. Judy has been featured on KYW. She is a member of the NICCP (National Association of Certified College Planners), the National Education Association, the Disciplined Advisor Network, the National Ethics Association, and the Better Business Bureau.

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### DO YOUR OWN RESEARCH

- [Divorce in PA](https://www.mainlinedivorcemediator.com/main-line-divorce-lawyer)
- [Separation in PA  
  ](https://www.mainlinedivorcemediator.com/main-line-divorce-lawyer/faqs-about-separation-in-pa)[Uncontested Divorce in PA](https://www.mainlinedivorcemediator.com/healthy-divorce-blog/uncontested-divorce-in-pa-reliable-answers-to-9-important-faqs)
- [Alimony in PA](https://www.mainlinedivorcemediator.com/healthy-divorce-blog/bid/160369/Alimony-in-PA-The-Definitive-Answers-on-the-5-Most-Asked-Questions)
- [Simple Divorce in PA](https://www.mainlinedivorcemediator.com/uncontested-divorce-pa-simple)
- [What is Divorce Mediation?](https://www.mainlinedivorcemediator.com/what-is-divorce-mediation)
- [Divorce Mediation vs. Lawyer](https://www.mainlinedivorcemediator.com/what-is-divorce-mediation)
- [Client Experiences](https://www.mainlinedivorcemediator.com/main-line-mediation-divorce)
- [My Healthy Divorce Mediation Program](https://www.mainlinedivorcemediator.com/main-line-healthy-divorce)

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