AITA for refusing to be legally bound to pay for my kids’ college?

A father navigating a messy divorce faces a tough demand: his soon-to-be ex-wife wants their agreement to include a clause that both parents cover a third of their three kids’ college costs, with the kids handling the rest. He earns a solid income and genuinely wants to help his children with college if they need it. So, what’s holding him back? The answer lies in his health—a multiple sclerosis (MS) diagnosis that could upend his financial future.

This story dives into the tricky balance between parental duty and personal uncertainty. His ex-wife sees footing the college bill as a moral must, rooted in her own debt-free college experience thanks to her parents. He, however, argues it’s a generous act but not an obligation. Is he wrong for pushing back? Let’s unpack his story and hear what the online community thinks.

‘AITA for refusing to be legally bound to pay for my kids’ college?’

The drama kicks off in the midst of a divorce, with a proposal that sparks tension between the parents.

My wife and I are going through a divorce and have three kids.She wants to put in the divorce agreement that we will both pay for a third of our...

Clashing Views on Parental Duty

Their disagreement stems from different upbringings, shaping how they view their role as parents.She got her bachelors degree without going into debt because her parents helped her pay for her...

My parents, for financial reasons, did not help any of their kids with college cost and I paid for all of mine. She feels that it is our moral responsibility,...

Health Concerns and Financial Uncertainty

The twist comes with the father’s health condition, which adds a layer of complexity to his stance. Here’s the thing. I make good money and fully intend to help my...

However, I don’t want to be legally bound to pay for it. For one, as I said, based on my upbringing, I don’t think it is a moral requirement. But...

On the spectrum of how bad you can be affected, I’m way on the good end and it doesn’t affect me much. At the moment. However, there’s no way of...

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Frustrated by accusations, the father clarifies the extensive support he’s already committed to.

Edit: For those of you saying I'm a deadbeat dad who just wants to get out of supporting my children. FWIW, I've already agreed to the following: (STEW=Soon To be...

* Child support in the amount STEW and her lawyer requested

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* Splitting the cost of a decent used car for each kid when they turn 16 and get their license

* Paying for medical insurance for the kids

* Paying for the majority of out of pocket medical expenses for kids

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* Paying for the majority of extra-curricular activities for the kids

* Providing cell phone service for the kids until they graduate college

INB4 'kudos, do you want a cookie?' I'm only posting this because of claims I'm a deadbeat dad, I don't think any of this (except maybe the car and the...

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A father refusing to lock in a legal obligation for college tuition isn’t about shirking responsibility—it’s about navigating a future clouded by health concerns.

This dad’s hesitation is driven by his multiple sclerosis diagnosis, which could derail his earning power overnight. While he’s committed to helping his kids, the unpredictable nature of MS makes a legally binding promise risky. His ex-wife’s push for shared college costs reflects her desire to secure their kids’ futures, a valid goal rooted in her own experience. The catch? Forcing a rigid commitment could jeopardize his ability to manage potential medical costs.

This scenario mirrors a broader issue in divorce: balancing kids’ needs with parents’ realities. Alongside this, societal expectations often pressure parents to fund college, yet not all can or should be held to that standard. As Dr. Jane Adams, a family psychologist, puts it, “In divorce, financial agreements must weigh both the children’s needs and the parents’ realistic capabilities” (Divorce and New Beginnings, 2016).

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Advice for Moving Forward:

  1. Suggest a flexible clause, like capping college contributions based on current income or in-state public school costs.
  2. Start a college savings plan, like a 529, now to prepare for future expenses.
  3. Work with a mediator to craft an agreement that accounts for his health uncertainties.

Here’s the feedback from the Reddit community:

The online community jumped into the debate, offering support, practical tips, personal stories, and even a stray grammar question, creating a lively mix of perspectives.

Some users saw the father’s refusal as a smart move, given his health and the open-ended nature of the commitment.

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i_am_four_eggggggg − NTA, sounds like a responsible decision

memebrowser9 − Sounds like a compelling case for NTA from your description.

psilocyborg10 − NTA. It’s just not smart to make such a huge financial obligation x3 for a future hypothetical situation. It is up to you how you want to contribute...

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t also doesn’t make sense to agree in terms of a fraction. There’s a big difference between a 1/3 of community college and 1/3 of an Ivy League school education....

That being said, maybe there is a more reasonable agreement you guys can make. Such as a set amount for each child— and they can use it for what they...

t3hd0n − sounds like she’s still trying to dictate how you parent. NTA.

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Many felt both parents had valid points, urging a compromise that protects the kids without boxing the father in.

teresajs − NAH Your STBX wants to ensure the financial futures of your children. That's understandable. However, it would be reasonable for you to place limits on your financial support.

Instead of saying "No", consider countering with paying 1/3 of tuition, room and board, costs not covered by scholarships, not to exceed the cost of in-state public college costs.That would...

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Also, put in that it's for up to 4 years per kid, the child needs to be attending full-time, and that you no longer need to pay if their GPA...

curien − NAH, but having your parenting decisions legally bound is a fact of life for you now that you need to get used to. It's par for the course...

This isn't about whether it's a moral decision, it's not about whether parents who don't pay for college are good or bad. The legally-binding aspect isn't even really about your...

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If you're worried about preserving your ability to care for yourself, negotiate to have that written into the decree. You could cap your required contribution as a portion of your...

fourbearants − NAH, I see why she wants to protect them, but I think your concerns are totally fair. Say no.

longtimelondoner − NAH because I’m pretty sure your kids wouldn’t want you going into debt to pay for their college should your MS get much worse and you need money...

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[Reddit User] − NAH - college is really expensive and it makes sense you don't want to be legally bound when you don't know what the future will bring and...

Colleges can have such a huge range as well- there's a huge difference between paying 1/3 of an in state school that's $20,000 a year and paying 1/3 of a...

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Maybe you can put it in that you’ll pay 1/3 up to a certain amount or will contribute x amount to each kid.

87hounds − NAH. Disclaimer: I am a family law attorney so take this with a grain of salt. Nothing wrong with the ex-wife wanting to share equal responsibility for future...

Most courts in my jurisdiction would find this reasonable, plus our statute allows for parties to “revisit” the issue once the children reach the age of majority. You are wise...

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If you are entering mediation/settlement, make sure to communicate this to your mediator/arbitrator. If the matter is set for presentment/contested hearing, it wouldn’t hurt to divulge this information to your...

Hudre − NAH - The main thing I was wondering while reading this was “What if he loses his job or has a medical emergency and literally cannot pay” and...

This is a totally responsible move, I’ve known some people with MS and I believe they were one the good side like you, but when they had bad days they...

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One user shared a personal story highlighting how a parent’s income can complicate financial aid for kids.

YonderIPonder − NTA Here’s a thing to consider: your kids might not get that full ride scholarship. You mentioned you make good money. My parents got divorced and it was...

The thing is, dad was a surgeon and made TONS of money. Where this comes into play is the FAFSA. I had to put down dad’s income level on the...

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There wasn’t a box to check that said “My dad isn’t going to give me a dime, so really he shouldn’t be factored into the money available to me”. So...

One commenter veered off-topic with a quick question about word choice, keeping things light.

[Reddit User] − Can I ask an unrelated question? I’m recently seeing a lot of people writing “payed”. Isn’t “paid” the correct word?

Another user urged proactive steps to ease future financial burdens, given the rising cost of college.

hippiegrl127886 − INFO - is there any way you could set up a college fund for your children now, before your MS gets debilitating? Also, idk where you're from, but...

that loads of people are acquiring huge amounts of debt (student loans). It's awesome that your kids get good grades, but there's no guarantee that they'll get scholarships, or if...

A user with firsthand experience shared how flexibility in their divorce agreement worked out.

5673freeman − Somewhere between NTA and NAH. I am divorced and have college aged kids and younger kids. You definitely do not want the decree to restrict you on this...

This will allow you and your STBX the freedom to work specific plans with each specific child. My divorce decree says NOTHING about financial responsibilities for my children after they...

My oldest daughter is about to graduate college and she did her best to pay for everything herself. Her mom (my ex) is struggling financially, so she only paid for...

From staunch support to practical compromises and real-world warnings, the community highlights the need for flexibility in divorce agreements, especially when health and finances are uncertain.

This father’s stand isn’t just about college tuition—it’s about weighing family duties against an unpredictable future. His ex-wife wants to secure their kids’ education, while he’s guarding against the risks of his MS diagnosis. Both have valid points, but the story raises a bigger question: how do you balance supporting your kids with protecting yourself? What’s your take on this? How would you navigate a divorce agreement with health uncertainties in play? Drop your thoughts below!

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