Life Series VII: College Kids and Cars at School

Parents would do well to review their auto insurance policies before they let their children take their cars for use at college.

Harry and Sally thought they had been prudent about saving for Claire’s college education, and they paid for her first two years to limit her debt. Claire took out student loans and used her own savings from her summer jobs for the remaining two years.

But Harry and Sally hadn’t anticipated all the additional expenses that Claire was incurring now that she was starting her junior year and would be living off campus.

Read more: Life Series VII: College Kids and Cars at School

Life Series VI: Parents Should Have a Medical POA for College-Bound Kids

College-bound students should sign a Medical POA to cover themselves for health care emergencies.

Claire had always been a go-getter when it came her studies in high school, so it wasn’t a surprise to her parents Harry and Sally when she announced plans to attend college. On the contrary, Sally and Harry would have been disappointed if Claire had passed up the opportunity to make the most of her academic talents.

But while they had saved for her college education, Harry and Sally hadn’t banked on all the incidentals that come with supporting an 18-year-old child and legal adult who needed to move several hours away from her hometown.

Read more: Life Series VI: Parents Should Have a Medical POA for College-Bound Kids

Michigan is No Fault for Divorce, But Misconduct May Impact Custody

While Michigan is a no-fault divorce state, misconduct may be considered when it comes to property and child custody issues.

During happy hour with her friends, Amber mentioned that her child’s father, Dave, had not been spending much time lately with their 5-year-old daughter, Abigail. Although Amber and Dave were never married, they had been able to co-parent Abigail since their relationship ended over two years ago. In fact, Amber and Dave had never been to court and had no formal agreement regarding custody, parenting time, and support.

Read more: Michigan is No Fault for Divorce, But Misconduct May Impact Custody

Michigan Is No Fault for Divorce, But Misconduct is a Factor for Support and Property

Michigan divorce courts can consider misconduct such as adultery when deciding spousal support and property division.

Carol worked for nearly six years doing administrative work at a local insurance company to pay the bills while her husband Bill studied full-time to get his bachelor’s degree in accounting. Carol also put her own college education on hold with the plan that she would go back to college once Bill graduated, and before the couple started a family. Carol dreamed of becoming a teacher, but she agreed to wait on college to avoid student loan debt. Carol was hopeful that the sacrifices she made now would pay off when it was her turn to pursue a college degree.


Carol felt absolutely betrayed and was devastated when she discovered that Bill was having an affair with another student in one of his classes – ironically, the final class he needed for graduation. When Carol confronted him, Bill admitted he had been cheating on her for more than a year, and he now wanted a divorce. Bill also confessed that he had taken out a student loan without her knowledge.

Not only was Carol devastated about the end of her marriage, she was also incensed because she had supported Bill for years, at least in part so they could avoid student loan debt. Carol also feared that Bill had spent significant money on his affair, and that she would not be able to attend college, right at the time her sacrifices should have paid off for them both.

To prepare for the pending divorce, Carol scheduled an appointment with an attorney that a recently divorced friend recommended to her. Carol learned from the family law attorney that the court considers several factors in a divorce proceeding regarding spousal support and property division.

Carl also learned that Michigan is a no-fault divorce state, so spouses are not required to allege misconduct to file for divorce. However, misconduct – such as adultery, abuse, or financial malfeasance – is one of the 11 factors used to determine spousal support and one of the 9 factors used to divide property.

Carol’s new family law attorney also advised that Michigan is an equitable property state, which means that property is divided fairly, but not necessarily evenly.

Carol and Bill met with their attorneys and a mediator to attempt to resolve their issues without going into court. Since they did not have children, they focused on dividing their assets and debt. Carol also wanted Bill to pay spousal support since Bill had obtained a college degree while Carol worked, with the plan that Carol would attend college once Bill graduated.

Prior to mediation, Carol and Bill sat down together to make a list of their assets and debt. They did not own a home, and they both had older vehicles with no loans but also little value. And although they had been able to save a significant amount of cash – even though Bill was in school – Carol suspected that Bill had wasted some of their cash on his affair.

Carol and Bill’s only debt was Bill’s student loans and a credit card that had been used for a few emergency purchases.

At mediation, Carol and Bill quickly agreed to keep their own vehicles. They were also able to divide their personal property, such as furniture and other household items.

Bill did not agree with Carol, however, that she should receive more than half the cash in their savings account, and he argued that he had spent minimally on his affair. Bill also did not want to pay spousal support to Carol.

Since Carol and Bill could not agree at mediation on two issues – spousal support and the amount of cash each would receive from their savings account – a hearing was scheduled with the judge assigned to their case.

At the hearing, both parties presented evidence and testified regarding the spousal support factors, such as Bill’s conduct, the length of the marriage, the parties’ earning ability and Bill’s ability to pay support, as well as the age and health of both parties.

Although they had only been married 5 years and Carol was young and able to work, the court ruled that Bill would pay spousal support for 4 years, to allow Carol to attend college to pursue a teaching career. The court determined that Bill could afford to pay based on his new job as an accountant. The court also considered that Bill now had a degree while Carol did not, based on the parties’ previous plans.

Following testimony by both parties, the court also decided that Carol would receive well more than half of the parties’ savings account. Carol was able to produce bank statements at the hearing that clearly showed that Bill had spent lavishly on his affair, including money spent at hotels and expensive restaurants.

While the divorce was a traumatic experience, Carol walked away confident that she could make a fresh start with her life because of the spousal support and cash she received. She also took comfort from the fact that she recouped some of what Bill spent on his affair.

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