Update: we went to talk with her today and will voluntarily give up claiming the 16 year old as a dependent for taxes. We will either let her claim the girl, or we will keep the deduction and give her the equivalent of the deduction in extra child support. If she made more, I think I would be less sympathetic, but she makes less than $8.00/hr, so even though I think we are already paying a reasonable amount, especially since we are going halves on three kids in braces, how can we say no?
I think the financial troubles started when her first child, from a different father, stopped paying support when that girl came of age. Now my DH's kids are getting older, and in a few years that support will go away. She has been dependent on the fathers of her children keeping her and her new husband financially afloat. They could barely make it with both of them working plus outside child support, so now that she is divorcing him, she's really in a bind.
I tried to point out that she should look into retraining for a better job, or at least see if there is something that pays better than her current job. After all, once the kids are gone, how will she afford to live? But she won't hear of it. "I have no job skills and can't go anywhere else" she insists. She says retraining will cost money she doesn't have, she disagrees with me that some government agency might give her a grant or financial aide for school, and she insists most other jobs would be "too stressful." Right now she can walk to work and it's fairly easy work, and she doesn't want to deal with any job that requires much thought, or any stress. I can understand that, but I am the kind of person that has busted my butt to get ahead, and wimpy women who don't want to better themselves make me very aggravated! She says in a few years she will be 55 and can live in low income retirement housing, and that's her solution to how she will make ends meet once the kids and the child support are gone. ARGH!!! This woman has zero ambition. I think that's a poor role model for her two girls.
Believe it or not I really like this woman, and I feel badly that she has had an unfulfilling and unhappy life, but I still want to shake her at times and say "get a grip and get some ambition!"