If your private student loans are in default, you're not out of options. Go to yrefi.com slash Ramsey.

My wife and I have two kids. Our oldest is currently in college at a state school, so we are paying in state tuition. Our youngest is a senior and it's looking at colleges in a different state, which means higher tuition. We own a second home in that state,

but it's not our residence. Should my wife and I get a divorce so we can change one of our

permanent residences to that state and keep the other permanent residence in our state?

Doing so would save us over $100,000 by paying in-state tuition for both kids.

My wife and I love each other very much, and the paperwork wouldn't change our relationship.

Wow.

I don't know if I've ever heard this question before.

I've heard it for different reasons.

Get a legal divorce to pay for the out of state college tuition.

Oh, Lordy, no Dave, no Dave.

I think if you can't afford the out of state tuition, y'all can't afford the college.

So it looks like a...

Tell your kid no.

Oh, there's a shocking concept.

Before you divorce your wife, maybe you just tell your kid no.

Oh my gosh.

How about no?

You can't go to school over there.

No.

That settled, I mean, that's school over there. No. That settled.

I mean, that's a lot easier.

...