Reply to Q re: the wisdom behind FERPA

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]In no other aspect of your life would you allow someone to enthusiastically and swiftly cash your checks for thousands of $s regularly but won't allow any questions whatsoever about the product from the payor,  that's a product that shouldn't be purchased and needs to go under. 
[/quote]

Sorry, but this is bullshit.

Any contract signed by an 18 year old is their responsibility, regardless of where they get the money.  [b]Kiddo buys a car with your money the dealer won't talk to you about it.  [/b]Same for kiddos bank account or credit card, even if it is money from you.  Certainly anything medical.  You might not "allow" it with an auto or real estate purchase, but this time you did, so it is on you.  Don't like it, don't pay.

If you can't trust your kid, maybe you shouldn't anyway.

This entire thread has revealed a lot about certain methods of parenting that the posters must have been unaware would reveal.  Astounding.[/quote]

This analogy doesn’t make the point you think it does. Parents pay the college directly. The FAFSA looks at the parents’ assets, not [b]the child’s, [/b]unless the child has been emancipated.  That’s analogous to a parent co-signing a loan, or actually buying the car themselves and letting the child drive it. The car dealer is absolutely dealing with the parents, not the child.

[/quote]

>>> unless the child has been emancipated.

Which basically never happens/can't happen.

>>> The car dealer is absolutely dealing with the parents, not the child.

And, the car dealer has the Feds helping make the steal...[/quote]

I dont know what you are talking about.  An 18 year old is not a child in any state, and is capable of signing any contract.  For a credit card, for instance.  Or their job.  You could not be more wrong.[/quote]

Have your 18-year old, unemancipated, kid tell the college that they should get financial aid because their rich parents don’t want to fill out the FAFSA and see how that goes. [/quote]

Not sure what FAFSA has to do with my point you responded to, but whatever.  [/quote]

Then you don’t understand how the FAFSA works, you’re not very bright or you’re being purposefully obtuse.[/quote]

You’re funny with the insults.  My point was that 18 year olds are adults, regardless of how FAFSA works.  It’s irrelevant.

You’re partially right though, I have never filled one out as I am fortunate and happily full pay.

But you go ahead and do you![/quote]

No, it’s not irrelevant. And you need to check your privilege. [/quote]

OK, explain to me how FAFSA makes 18 year old people not adults in the eyes of the law, please.

And you don't understand what "check your privilege" means.  It's the exact opposite of your use here.  I was admitting I have it good and have an advantage.  My privilege is already checked, and admitted to in full disclosure.

You're kinda missing the targets bigtime here.  Maybe this discussion isn't for you.  If you want to stop, that's fine with me, you needed mea culpa or anything like that.  But if you keep posting, I will keep asking how FAFSA makes 18 year old people not adults in the eyes of the law.

[/quote]

You’ve missed the point. Your privilege means that you have the luxury of being ignorant regarding how FAFSA defines “independence” and you think it’s worth boasting about.   I hope the following explains it in small enough words that you’ll be able to understand. As you’ll see, FAFSA effectively makes any undergraduate student under the age of 24 who does not fall under certain specified exemptions (which is most of them) legally a dependent for purposes of college tuition. The conflict here is that FAFSA makes students dependents for financial purposes, but FERPA makes them “adults” for purposes of any information related to how that money is actually being spent.

https://www.usnews.com/education/best-colleges/paying-for-college/articles/2016-05-02/declare-yourself-independent-for-college-financial-aid

A student can't simply choose to file as an independent on the FAFSA, the application that most schools use to determine financial aid awards. For the most part, the FAFSA relies on parental information unless the student is applying for graduate school.

"Once you're a graduate student you are considered independent for federal financial aid," says Kathy Ruby, a principal in financial aid optimization at consulting firm EAB.

However, applicants to undergraduate programs who are under the age of 24 by Dec. 31 of the award year typically are considered dependent and must go through a complicated process to prove independence for financial assistance.

What Is an Independent Student?

An independent student is one who meets certain legal requirements to receive federal financial aid to pay for college based on the student's ability to pay. A dependent student's ability to pay is determined by reviewing information provided by both the student and one or both parents.

By law, to be considered independent on the FAFSA without meeting the age requirement, an associate or bachelor's student must be at least one of the following: married; a U.S. veteran; in active duty military service other than training purposes; an emancipated minor; a recently homeless youth or self-supporting and at risk for homelessness; a parent who provides more than half of the financial support for a child who lives with him or her; or someone who has been in foster care, been an orphan or a dependent or ward of the court for any period of time after the age of 13.[/quote]

Someone posted that an 18-year old was a "child".  I replied: "An 18 year old is not a child in any state, and is capable of signing any contract.  For a credit card, for instance.  Or their job."

Please explain to me how FAFSA invalidates that and then I will address the rest of your stuff.[/quote]

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