'That's Whacked' – Dad Considers Divorcing Wife to Exploit Tuition Loophole And Save $100K on Teen's Out-of-State College – Dave Ramsey Says 'You're Weird'

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Rising assemblage tuition tin propulsion families to get originative to prevention wealth — but 1 dada from Massachusetts whitethorn person taken it a measurement excessively far.

Dave and his woman person 2 kids — 1 already attends an in-state college, portion the other, a precocious schoolhouse senior, is considering colleges successful different authorities wherever the household besides owns a 2nd home. That's wherever things instrumentality an antithetic turn: Dave wrote to "The Ramsey Show" that helium is considering a insubstantial divorcement truthful his woman could assertion residency successful that state, perchance qualifying their kid for in-state tuition.

"Doing truthful would prevention america implicit $100,000 by paying in-state tuition for some kids," helium said. "My woman and I emotion each different precise much. And the paperwork wouldn’t alteration our relationship."

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Personal concern adept Dave Ramsey was taken aback by the question, and co-host Rachel Cruze admitted she'd ne'er heard thing similar it before. Ramsey rapidly called retired the flaw successful Dave's logic and pointed to the evident solution: archer your kid nary and instrumentality to an in-state assemblage to prevention money.

"Before you divorcement your wife, possibly you conscionable archer your kid no," Ramsey said. "You’re weird. I mean, who talks astir divorcing their woman to get in-state tuition for a kid for 4 years due to the fact that you can’t archer your ain spoiled kid no? That’s whacked."

The mean tuition and fees for a four-year in-state assemblage successful the U.S. for the 2025–26 world twelvemonth is $11,950, compared with $31,880 for out-of-state students, according to information from acquisition nonprofit College Board.  When including the full pupil fund for housing, food, and supplies, the mean yearly outgo rises to $30,990 for in-state residents and $50,920 for those from retired of state.

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Ramsey called retired the kid for considering out-of-state colleges that could outgo the household $100,000, portion Cruze laid the blasted connected the dada for adjacent suggesting a divorce. Ramsey warned Dave that adjacent reasoning astir this program could wreck his narration if his woman ever recovered out.

"You person your priorities truly screwed up," Ramsey said. "Let’s conscionable commencement with telling your spoiled brat kid no. He’s asking him to wage $100,000 to spell crossed a authorities line."