Christine Avelino-Catabran v. Joseph A. Catabran , 445 N.J. Super. 574 ( 2016 )


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  •                    NOT FOR PUBLICATION WITHOUT THE
    APPROVAL OF THE APPELLATE DIVISION
    SUPERIOR COURT OF NEW JERSEY
    APPELLATE DIVISION
    DOCKET NO. A-4973-13T4
    CHRISTINE AVELINO-CATABRAN,
    APPROVED FOR PUBLICATION
    Plaintiff-Appellant,
    June 16, 2016
    v.                                            APPELLATE DIVISION
    JOSEPH A. CATABRAN,
    Defendant-Respondent.
    ____________________________________
    Submitted December 8, 2015 – Decided June 16, 2016
    Before   Judges        Fisher,    Rothstadt,       and
    Currier.
    On appeal from Superior Court of New Jersey,
    Chancery   Division,  Family   Part,  Morris
    County, Docket No. FM-14-791-02.
    Newsome O'Donnell, L.L.C., attorneys for
    appellant   (Lynn   Fontaine    Newsome,   of
    counsel; Alyssa M. Clemente, on the brief).
    Ann    Crawshaw        Coquin,     attorney        for
    respondent.
    The opinion of the court was delivered by
    ROTHSTADT, J.A.D.
    In   this     post-judgment     dissolution       matter,      plaintiff
    Christine Ewart, formerly known as Christine Avelino-Catabran,
    appeals from the Family Part's May 12, 2014 order recalculating
    child   support   and   holding    her   responsible    for   half     of   the
    parties' eldest daughter's college expenses.                   She also appeals
    from the court's May 30, 2014 order that deemed the new child
    support amount retroactive to October 25, 2012.1                        Her primary
    argument is that, when determining plaintiff's obligation for
    college costs, the court improperly excluded from the child's
    available financial aid a Federal Direct PLUS Loan (PLUS Loan)
    secured by the parties.          Plaintiff also contends that the court
    improperly       determined   she    should       be    responsible      for    fifty
    percent of those costs.          Finally, she challenges the portions of
    the    court's    order   that   modified        support,     arguing    the    court
    "erred in utilizing a mathematical formula to determine child
    support" and in changing custody and parenting time without a
    hearing.
    Defendant Joseph A. Catabran disagrees and argues that the
    court    correctly     excluded      the       PLUS    Loan   from    the      child's
    contribution to college costs and properly required plaintiff to
    be responsible for fifty percent of those expenses in accordance
    with    the   parties'    property    settlement         agreement    (PSA).       He
    further contends that support was correctly calculated and that
    not only did plaintiff fail to raise certain issues she now
    1
    This issue, however, has not been briefed, and we consider it
    abandoned. See N.J. Dep't of Envtl. Prot. v. Alloway Twp., 
    438 N.J. Super. 501
    , 505 n.2 (App. Div.), certif. denied, 
    222 N.J. 17
    (2015).
    2                                A-4973-13T4
    argues   on    appeal,      but    she   also     "failed      to    cooperate     with
    discovery[, and]          withheld information from . . . [and] gave
    false information to the trial court."                      Defendant avers that
    plaintiff      comes      before     this       court   with        "unclean    hands"
    preventing relief being granted to her.
    We have considered the parties' contentions in light of our
    review of the record and the applicable legal principles.                             We
    affirm the court's order as to college expenses, but vacate and
    remand for recalculation of child support.
    The salient facts developed in the motion record can be
    summarized as follows.             The parties were married on June 18,
    1993, and their divorce was finalized on August 14, 2002.                            The
    final judgment of divorce (JOD) incorporated the parties' PSA,
    which addressed the custody and support of their two daughters —
    Catherine, now twenty-one years old, and Isabelle, seventeen.
    Pursuant to the PSA, the parties shared joint legal and
    physical custody of the children, with the parent of primary
    residence designated as plaintiff during the school year and
    defendant during the summer.             The PSA required defendant to pay
    $137   per    week   to    support    both      children,    though     the    parties
    apparently agreed to increase this obligation to $800 per month
    in 2009.
    3                                  A-4973-13T4
    The PSA also provided that the parties would be equally
    responsible    for   the   children's   net   college   expenses    —   those
    remaining after the children applied for financial assistance.
    Specifically, it provides:
    The    minor  children   shall   have  an
    obligation    to  apply   for   any   and  all
    scholarships, student loans, grants and
    financial aid that may be available to help
    defray the cost of each child's attendance
    at   college.        After    deductions   for
    scholarships, student loans, grants and
    financial aid, the parties agree to be
    responsible for the net college educational
    costs of the minor children.       Net college
    cost[s] will be split equally by both
    parties.[2]
    In June 2004, the parties agreed to change their custody
    arrangement,    eliminating    alternating     weekends   such     that   the
    children would live full-time with plaintiff during the school
    year and with defendant during the summer.              They changed the
    custody arrangement again in May 2011, when plaintiff and her
    new husband moved to Switzerland with the children.           In order to
    facilitate the move, defendant signed a letter stating plaintiff
    had sole custody of the children "[f]or the duration of, and
    subject to, their residing in Switzerland."
    2
    Notably, the last sentence was a handwritten addition to the
    provision, initialed by the parties, that replaced stricken
    language that stated "commensurate with their ability to pay at
    the time."
    4                               A-4973-13T4
    After    graduating        from   high    school,        Catherine     decided      to
    attend New York University (NYU) beginning in the fall of 2012.
    NYU's    total   cost    of     attendance     was     $62,768,       but   the     school
    offered her an extensive financial aid package, which included a
    $12,720 scholarship, $3000 for work-study, and a total of $7900
    in student loans.        It also included $39,148 in PLUS Loans, which
    the award letter defined as "the maximum amount . . . . [a]
    parent may borrow."           (emphasis added).            Catherine accepted the
    full amount of the scholarship, work-study, and student loans
    available to her.         In an email sent to plaintiff on June 21,
    2012,    defendant    asked      plaintiff,         "how   much   Parent      PLUS    Loan
    should we borrow?," and suggested they borrow $12,770 to cover
    plaintiff's share of the balance owed for college.3                           Plaintiff
    responded by directing defendant to "Please borrow this money on
    behalf   of   Catherine."         Pursuant      to     this    exchange,      defendant
    accepted $12,770 of the available PLUS Loan.
    On October 25, 2012, defendant filed a motion seeking a
    modification     of     child    support       to    reflect      a    split-parenting
    arrangement,     an     order     requiring         plaintiff     to    pay    half      of
    Catherine's net college expenses, and judgment against plaintiff
    3
    According to defendant, plaintiff needed the loan because her
    credit was bad.    According to plaintiff, that loan was to be
    repaid by Catherine.
    5                                      A-4973-13T4
    for the amounts due on the PLUS Loan and owed to NYU for the
    Spring     2013    semester,     among     other      relief.           In     response,
    plaintiff    asserted      there    were       no   funds        owed   by     her    for
    Catherine's college costs because NYU provided Catherine enough
    financial aid to cover the entire cost.                   The financial documents
    submitted indicated plaintiff's gross income was approximately
    $225,000 annually and defendant's $113,000, substantially more
    than the approximately $73,000 they each were earning at the
    time of the divorce.
    On May 1, 2013, the Family Part entered an order, dated
    April 26, 2013, granting in part and denying in part defendant's
    request for contribution for Catherine's schooling, and granting
    his request for a child support modification (May 1 order).                           The
    order stated, "[t]he Court has determined that the [p]laintiff
    shall make a contribution to the child's college expenses but
    needs the parties to submit their financial documents in order
    to determine how much that contribution should be."                           The order
    directed    them   to   submit     pay   stubs      and    tax    returns      for   that
    purpose    and    for   calculating      the   parties'      support         obligations
    moving forward.
    In its appended statement of reasons, the court found that
    Catherine's financial aid package did not cover the full cost of
    attendance, that the PLUS Loans were available only to parents,
    6                                     A-4973-13T4
    and     that   defendant     had     established        changed   circumstances
    warranting a support modification.               It stated that, based upon
    the parties' email exchanges, "[p]laintiff was well aware of the
    minor child's financial aid package [and] the loans that the
    [d]efendant was taking out to cover her share of the expenses."
    It also found that, based on the circumstances and superior
    employment     opportunities    offered     to    NYU    graduates,   the   child
    made a legitimate decision to attend NYU instead of a school
    suggested by plaintiff.            As to child support, the court found
    that    a   change   was   warranted   because     the    parties'    "income[s]
    ha[d] changed dramatically since [they] first entered into the
    PSA."
    On June 4, 2013, the parties moved for reconsideration and
    clarification of the May 1 order.4          The court denied the parties'
    respective motions on January 24, 2014,5 determining that their
    4
    In response to the May 1 order, both parties submitted
    letters to the court requesting clarification of certain issues
    raised by the order — namely, the method by which support would
    be calculated and the extent of plaintiff's obligation to
    contribute to Catherine's college expenses. When the court did
    not respond to the parties' letters, they filed their respective
    reconsideration motions.
    5
    This was actually the second order it entered.   The court
    signed an original order on August 15, 2013.      However, the
    parties did not receive a copy of this order and did not learn
    of it until January 2014. Upon learning of the order, defendant
    requested the court vacate the August order and enter an
    identical order to protect the parties' rights to seek timely
    (continued)
    7                               A-4973-13T4
    motions   were    attempts    "to   re-argue    issues   that       were    already
    decided," and were time-barred.             Over the next five months, the
    parties submitted multiple letters to the court with additional
    information      regarding    their   finances.        In     one    submission,
    plaintiff claimed she could not afford to pay for her daughter's
    college   and    that   she   had   filed    for   "Chapter    11"    relief      in
    bankruptcy court in June 2013.
    On May 12, 2014, the court ordered plaintiff to contribute
    fifty percent of Catherine's net college expenses and defendant
    to provide proof of such expenses.             The court also modified the
    parties' support obligations, ordering defendant to pay $186 per
    week to plaintiff for Isabelle, and plaintiff to pay $281 per
    week to defendant for Catherine, resulting in a net payment of
    $95 per week to defendant.
    In the accompanying statement of reasons, the court stated
    it found plaintiff had sufficient resources to contribute to
    Catherine's     college   expenses    in    accordance   with       the    parties'
    PSA.    In support of its determination, the court considered the
    factors established in Newburgh v. Arrigo, 
    88 N.J. 529
    , 545
    (continued)
    relief from the court's order.   The court obliged, and entered
    an order on January 24, 2014, recognizing that a clerical error
    led to the original order not being forwarded to the parties and
    "giv[ing] [the original order] an effective date of January 24,
    2014."
    8                                   A-4973-13T4
    (1982), but relied upon the PSA's express requirement that the
    parties contribute equally to their children's college expenses,
    noting also that "both parents share[d] the goal of educating
    their       daughter."              It    concluded         that,        despite     her     pending
    bankruptcy         petition,             which        did       not      impact      her     support
    obligation,         plaintiff            had     sufficient           resources     to     meet     her
    obligation under the PSA.
    As    to    child       support,         the       court    noted     that    "[d]efendant
    [was]    seeking        a     modification            of    child      support      based    on     the
    [p]arties' daughters['] living arrangements.                                 Namely, Catherine
    is in college, and Isabelle lives overseas in Switzerland."                                        The
    court found that "the living arrangements of the children ha[d]
    changed significantly enough to warrant a corresponding change
    in    child       support."              It    observed         that     Catherine       lived     with
    roommates at college and "primarily visit[ed] [d]efendant during
    her     time      off        from    school,"             and     that     Isabelle        lived       in
    Switzerland with plaintiff and her husband "and does not have
    visitation with her father."
    Based on those living arrangements, the court determined
    the   parties'       new       child          support      obligations       by     relying       on    a
    combination          of        the            court's       Child         Support        Guidelines
    (guidelines),           R.    5:6A,       and    defendant's           proposal      for    support,
    9                                     A-4973-13T4
    without setting forth the details of the proposal in the court's
    decision.    The court stated:
    Defendant has submitted a well thought out,
    and clearly articulated plan for determining
    child support.    His calculations take into
    consideration the incomes of the [p]arties
    including bonuses, income attributable to
    the [p]arties, conversion of Swiss [f]rancs
    to American [d]ollars, a 40% reduction in
    child support for Catherine based on her
    room and board taken into consideration
    above, medical insurance, as well as a 4%
    increase   in   child    support    over  the
    guidelines to take into consideration the
    [p]laintiff's   income     being    over  the
    guidelines threshold for calculation.      He
    has calculated the child support from him to
    Isabelle as $186 per week or $806 per month,
    and to Catherine from [p]laintiff of $281.00
    per   week  or   $1,218   per   month.    His
    calculations are not off the mark.        The
    Court accepts the calculations and the
    [p]arties shall pay accordingly.         This
    results in a payment of $95 to [d]efendant
    from [p]laintiff weekly.
    The court attached to its statement of reasons a "Child Support
    Guidelines-Sole    Parenting   Worksheet"   for   two   children   in   a
    "split-parenting situation."6
    6
    "The 'split-parenting' provisions . . . deal with a multi-
    child family in which one parent has custody of one or more
    children, and the other parent has custody of other children."
    Benisch v. Benisch, 
    347 N.J. Super. 393
    , 400 (App. Div. 2002);
    see also Child Support Guidelines, Pressler & Verniero, Current
    N.J. Court Rules, Appendix IX-A, ¶ 15, to R. 5:6A at
    www.gannlaw.com (2016) [hereinafter Guidelines].
    10                           A-4973-13T4
    As noted, the court later supplemented the order to clarify
    that the support modification was retroactive to October 25,
    2012, the date of defendant's initial motion.
    After the court's entry of its orders, plaintiff filed this
    appeal.
    We    begin       by    recognizing        that    our      review     of     the    Family
    Part's determinations regarding child support is limited.                                        We
    "do not disturb the factual findings and legal conclusions of
    the [motion] judge unless we are convinced that they are so
    manifestly unsupported by or inconsistent with the competent,
    relevant     and       reasonably       credible        evidence       as    to     offend      the
    interests of justice."                 Rova Farms Resort, Inc. v. Inv'rs Ins.
    Co. of Am., 
    65 N.J. 474
    , 484 (1974).                           Also, "[b]ecause of the
    family     courts'          special    jurisdiction         and     expertise        in    family
    matters,     appellate         courts        should     accord      deference        to    family
    court factfinding."             Cesare v. Cesare, 
    154 N.J. 394
    , 413 (1998).
    Accordingly, "[t]he general rule is that findings by a trial
    court      are     binding       on     appeal       when    supported         by    adequate,
    substantial, credible evidence."                      Gnall v. Gnall, 
    222 N.J. 414
    ,
    428   (2015);         see    also     Rova   
    Farms, supra
    ,      65      N.J.    at    483-84.
    However,         we     confer        no     deference         to      a     trial        court's
    interpretation of the law, which we review de novo to determine
    whether      the       judge        correctly        adhered      to       applicable        legal
    11                                        A-4973-13T4
    standards.      See Manalapan Realty, L.P. v. Twp. Comm., 
    140 N.J. 366
    ,    378    (1995).     Reversal        is     reserved     for       only     those
    circumstances in which we determine the factual findings and
    legal conclusions of the trial judge went "so wide of the mark
    that a mistake must have been made."                  N.J. Div. of Youth &
    Family Servs. v. M.M., 
    189 N.J. 261
    , 279 (2007).
    "When reviewing decisions granting or denying applications
    to modify child support, we examine whether, given the facts,
    the    trial   judge   abused   his   or    her    discretion."           Jacoby    v.
    Jacoby, 
    427 N.J. Super. 109
    , 116 (App. Div. 2012); see also J.B.
    v. W.B., 
    215 N.J. 305
    , 325-26 (2013).                "If consistent with the
    law, such an award will not be disturbed unless it is manifestly
    unreasonable, arbitrary, or clearly contrary to reason or to
    other evidence, or the result of whim or caprice."                              
    Jacoby, supra
    , 427 N.J. Super. at 116 (quoting Foust v. Glaser, 340 N.J.
    Super. 312, 315-16 (App. Div. 2001)).
    The Family Part's "substantial discretion" in determining
    child    support   applies      equally     to     compelling        a    parent    to
    contribute to their child's college costs.                   Gotlib v. Gotlib,
    
    399 N.J. Super. 295
    , 308 (App. Div. 2008).                   We must accept the
    Family Part's determination concerning a parent's obligation to
    contribute toward college tuition, provided the factual findings
    are supported by substantial credible evidence in the record and
    12                                    A-4973-13T4
    the judge has not abused his or her discretion.                Gac v. Gac, 
    186 N.J. 535
    , 547 (2006); 
    Cesare, supra
    , 154 N.J. at 411-12.
    Applying these parameters to our review, we first consider
    plaintiff's arguments regarding the motion judge's conclusion
    that   she   was     obligated   to   pay    fifty   percent   of   her   child's
    college      costs    in   accordance        with    the   PSA,     rather    than
    determining the extent of her obligation using the factors set
    forth in Newburgh,7 and that the PLUS Loan was not part of the
    7
    Newburgh provides for the balancing of the following factors:
    (1) whether the parent, if still living with
    the child, would have contributed toward the
    costs of the requested higher education; (2)
    the effect of the background, values and
    goals of the parent on the reasonableness of
    the expectation of the child for higher
    education;    (3)    the    amount    of    the
    contribution sought by the child . . . ; (4)
    the ability of the parent to pay that cost;
    (5)   the  relationship    of   the   requested
    contribution to the kind of school or course
    of study sought by the child; (6) the
    financial resources of both parents; (7) the
    commitment to and aptitude of the child for
    the requested education; (8) the financial
    resources of the child . . . ; (9) the
    ability of the child to earn income during
    the school year or on vacation; (10) the
    availability of financial aid in the form of
    college grants and loans; (11) the child's
    relationship to the paying parent, including
    mutual affection and shared goals as well as
    responsiveness    to   parental    advice   and
    guidance; and (12) the relationship of the
    education requested to any prior training
    (continued)
    13                                A-4973-13T4
    child's independent financial aid resources, relying upon NYU's
    inclusion of PLUS Loans as a type of financial aid available to
    its   students   and    the   distinction   made    in   the   PSA   between
    "student loans" and "financial aid."        She warns that the court's
    finding that PLUS Loans are not considered financial aid "will
    undoubtedly   have     wide   sweeping   public    policy   implications,"
    namely by "modify[ing] the intent of any Property Settlement
    Agreement containing this language."         We find her arguments to
    be without merit.
    The trial court correctly enforced the provisions of the
    PSA that obligated plaintiff to be equally responsible for the
    (continued)
    and to the overall long-range goals of the
    child.
    
    [Newburgh, supra
    , 88 N.J. at 545.]
    Notably, defendant correctly argues that plaintiff did not
    raise these factors to the motion judge as being applicable to
    the parties' dispute, contending instead that the language of
    the PSA supported her position. She now asserts them on appeal
    because they were considered by the motion judge, who, after
    identifying the factors in his written decision, relied upon the
    parties' PSA in ordering plaintiff to contribute towards her
    daughter's education.   Under these circumstances we choose to
    consider and clarify the issue rather than, as defendant argues,
    exercise our right to "decline to consider questions or issues
    not properly presented to the trial court when an opportunity
    for such a presentation is available unless the questions so
    raised on appeal go to the jurisdiction of the trial court or
    concern matters of great public interest."    Selective Ins. Co.
    of Am. v. Rothman, 
    208 N.J. 580
    , 586 (2012) (quoting Nieder v.
    Royal Indem. Ins. Co., 
    62 N.J. 229
    , 234 (1973)).
    14                               A-4973-13T4
    children's    college        expenses.     Absent     "compelling      reasons      to
    depart    from   the    clear,    unambiguous,      and    mutually        understood
    terms of the PSA," a court is generally bound to enforce the
    terms of a PSA.        Quinn v. Quinn, ___ N.J. ___, ___ (2016) (slip
    op. at 36) (enforcing termination of alimony consistent with the
    parties' agreement regarding cohabitation).                 Consistent with New
    Jersey's     "strong         public      policy     favoring      stability         of
    arrangements in matrimonial matters," id. at ___ (slip op. at
    19) (quoting Konzelman v. Konzelman, 
    158 N.J. 185
    , 193 (1999)),
    where matters in dispute in a post-judgment matrimonial motion
    are   addressed    in    a    PSA,    courts   will   not    "unnecessarily         or
    lightly    disturb[]"    the     agreement     so   long    as   it   is    fair   and
    equitable.       Id. at ___ (slip op. at 20) (quoting 
    Konzelman, supra
    , 158 N.J. at 193-94); see also Pacifico v. Pacifico, 
    190 N.J. 258
    , 266 (2007) (a matrimonial agreement is enforceable so
    long as it is not inequitable); Dolce v. Dolce, 
    383 N.J. Super. 11
    , 20 (App. Div. 2006) (PSAs are entitled to "'considerable
    weight with respect to their validity and enforceability' in
    equity, provided they are fair and just."                  (quoting Petersen v.
    Petersen, 
    85 N.J. 638
    , 642 (1981))).                  If the meaning of the
    agreement is in dispute, "[t]he court's role is to consider what
    is written in the context of the circumstances at the time of
    the drafting and to apply a rational meaning in keeping with the
    15                                 A-4973-13T4
    'expressed general purpose.'"             
    Pacifico, supra
    , 190 N.J. at 266
    (2007) (quoting Atl. N. Airlines v. Schwimmer, 
    12 N.J. 293
    , 302
    (1953)).
    However, if circumstances have changed in such a way that
    strict     enforcement    of     the      agreement     would    no    longer        be
    equitable, a court remains free to alter prior arrangements.
    See 
    Quinn, supra
    , ___ N.J. ___ (slip op. at 25-26); see also
    Lepis v. Lepis, 
    83 N.J. 139
    , 146-48 (1980).                     Similarly, "[a]
    narrow exception to the general rule of enforcing settlement
    agreements    as   the   parties     intended    is    the   need     to    reform    a
    settlement    agreement        due   to    'unconscionability,             fraud,    or
    overreaching in the negotiations of the settlement.'"                          
    Quinn, supra
    , ___ N.J. at ___ (slip op. at 23) (quoting Miller v.
    Miller, 
    160 N.J. 408
    , 419 (1999)).
    Absent inequity or unanticipated changed circumstances not
    addressed by the agreement, a court is obligated to enforce its
    terms when it was "entered [into] by fully informed parties,
    represented by independent counsel, and without any evidence of
    overreaching, fraud, or coercion."             Id. at ___ (slip op. at 35).
    Otherwise,    "the   court     eviscerates      the    certitude      the     parties
    thought they had secured, and in the long run undermines this
    Court's    preference    for    settlement     of     all,   including       marital,
    disputes."    Id. at ___ (slip op. at 36).
    16                                 A-4973-13T4
    A     court's      obligation         to     enforce     marital         settlement
    agreements        applies     to      provisions       regarding         the      parents'
    obligation        to   pay    for     their       children's       college      expenses.
    Although parents generally are not obligated to support a child
    who   has       attained      the     age     of    majority,       "in        appropriate
    circumstances, the privilege of parenthood carries with it the
    duty to assure a necessary education for children."                              
    Newburgh, supra
    , 88 N.J. at 543.              "In general, financially capable parents
    should contribute to the higher education of children who are
    qualified students."          
    Id. at 544.
    Accordingly, where parties to a divorce have reached an
    agreement     regarding       children      attending     college        and    how    those
    college expenses should be divided, and no showing has been made
    that the agreement should be vacated or modified, the Family
    Part need not apply all twelve factors pertinent to college
    expenses     as    identified       in   Newburgh,     
    supra, 88 N.J. at 545
    .
    Rather, the court should enforce the agreement as written.8                              See
    
    Quinn, supra
    , ___ N.J. at ___ (slip op. at 35-36).                               Cf. 
    Gac, supra
    ,    186     N.J.   at    544-45       (discussing      the    determination         of
    college contribution in the absence of a PSA or JOD addressing
    8
    In the absence of an agreement by the parties regarding the
    specific division of college costs, courts should balance the
    factors set forth in Newburgh and the statutory criteria of
    N.J.S.A. 2A:34-23(a), along with any other factors the court
    deems relevant to a fair allocation of expenses.
    17                                   A-4973-13T4
    the    parents'   obligations);       
    Newburgh, supra
    ,   88    N.J.    at    534
    (requiring consideration of factors where there was no agreement
    regarding college expenses); 
    Gotlib, supra
    , 399 N.J. Super. at
    307-08 (finding Family Part erred in failing to consider factors
    where JOD provided that college expenses would be divided "in
    accordance with appropriate legal standards"); Moss v. Nedas,
    289    N.J.   Super.    352,   354,    360   (App.     Div.    1996)     (approving
    balancing of factors where PSA allocated costs "in proportion to
    [the parents'] ability to contribute").9
    Here, the language of the parties' PSA clearly provides
    that    "[n]et    college   cost[s]     will     be   split    equally      by    both
    parties," and the court considered their abilities to afford
    that    contribution      before      ordering    plaintiff         to   contribute
    equally, thereby ensuring there would be no undue burden on
    either parent.         Given that plaintiff's income was at least two
    hundred thousand dollars per year, it cannot be said that the
    court's finding that she has sufficient resources to contribute
    equally, despite her pending bankruptcy petition, is "manifestly
    unsupported by or inconsistent with the competent, relevant and
    9
    In Moss, the PSA stated that the parents would pay college
    expenses "in proportion to their ability to contribute," and the
    mother and the child had concealed important facts about college
    attendance from the father and even from the Family Part as the
    dispute was being litigated.    
    Moss, supra
    , 289 N.J. Super. at
    354-55.
    18                                  A-4973-13T4
    reasonably credible evidence."               
    Gnall, supra
    , 222 N.J. at 414
    (quoting 
    Cesare, supra
    , 154 N.J. at 412).
    We are not persuaded otherwise by plaintiff's contention
    that she is not responsible for payment of the PLUS Loan she
    authorized defendant to secure "for Catherine."                       Catherine is
    not eligible to apply for or receive PLUS Loans herself.                          See 20
    U.S.C.A.   §    1078-2(a)     (defining      eligibility       for    PLUS    Loans);
    Office of Fed. Student Aid, U.S. Dep't of Ed., Direct PLUS Loan
    Basics for Parents 8 (2015).            Therefore, the PLUS Loans cannot
    be   considered   a   student    loan     or      financial    aid    available       to
    Catherine for which she had to apply, as contemplated by the
    parties.        The   court     correctly         determined     that    plaintiff
    authorized the loan and she was responsible for same.
    Turning    to   child   support,       we    initially    reject       as    being
    without merit plaintiff's contention that the court improperly
    determined,     without   a   hearing,       that    defendant       established       a
    change in circumstances warranting modification of support.                           We
    afford deference to the family court's determination regarding
    the need for a support hearing and review them for an abuse of
    discretion.     
    Jacoby, supra
    , 427 N.J. Super. at 123.                   A hearing
    is required only "when the submissions show there is a genuine
    and substantial factual dispute . . . , and the trial judge
    determines that a plenary hearing is necessary to resolve the
    19                                    A-4973-13T4
    factual dispute."           Hand v. Hand, 
    391 N.J. Super. 102
    , 105 (App.
    Div. 2007); see also 
    Jacoby, supra
    , 427 N.J. Super. at 123.
    The   court    here       correctly       determined      from    the     parties'
    submissions that Catherine's living at college and spending her
    time off with her father, rather than living in Switzerland with
    her     mother,     was     a    change     in     circumstances         warranting       a
    modification in support.                See 
    Jacoby, supra
    , 427 N.J. Super. at
    113.     We reject plaintiff's contention that by recognizing the
    children's        current       living     arrangements         the     court    changed
    custody.     We also agree with the court's undisputed finding that
    the    parties'      incomes      had     substantially      changed      since     their
    divorce.     "A change in circumstances warranting modification of
    support may . . . result from an alteration in the fortunes of
    either party."         Stamberg v. Stamberg, 
    302 N.J. Super. 35
    , 42
    (App. Div. 1997).           A supporting spouse "is as much entitled to a
    reconsideration        of       child    support     where      there     has    been     a
    significant change for the better in the circumstances of the
    dependent spouse as where there has been a significant change
    for the worse in the [supporting] spouse's own circumstances."
    
    Ibid. Plaintiff also contends
    the court erred in modifying the
    parties'     child    support      obligations,       as   it    used    an     incorrect
    method to calculate the award because it considered the factors
    20                                   A-4973-13T4
    set   forth    in    the   guidelines       rather     than    those    set    forth       in
    N.J.S.A. 2A:34-23(a),10 as required by Jacoby.                         
    Jacoby, supra
    ,
    427 N.J. Super. at 122.            Defendant responds, arguing plaintiff
    cannot claim error in the court's calculation, as she neither
    criticized     his    proposed    formula        nor   provided    any    alternative
    method   of    calculation       for   the       court    to   apply.         We     reject
    defendant's argument and agree with plaintiff.
    10
    N.J.S.A. 2A:34-23(a) requires the court to consider:
    (1)    Needs of the child;
    (2) Standard    of   living   and                  economic
    circumstances of each parent;
    (3) All sources          of   income       and   assets    of
    each parent;
    (4)    Earning ability of each parent . . . ;
    (5) Need and capacity of the child                        for
    education, including higher education;
    (6) Age and health of the child and each
    parent;
    (7) Income, assets and earning ability of
    the child;
    (8) Responsibility of the parents for the
    court-ordered support of others;
    (9) Reasonable debts and                   liabilities     of
    each child and parent; and
    (10) Any other factors the court may deem
    relevant.
    [N.J.S.A. 2A:34-23(a).]
    21                                     A-4973-13T4
    We      conclude    the    motion      judge    failed    to    satisfy     his
    obligations to properly calculate the child support award and to
    issue a clear statement of his reasons for the court's award.
    The court's reliance on defendant's use of the guidelines for
    calculating child support and its incorporation by reference of
    defendant's     calculations        were     both    improper       and   warrant
    reversal.
    When applicable, the guidelines must be used to calculate
    child support awards.           R. 5:6A; see also 
    Guidelines, supra
    ,
    Appendix IX-A.        However, the support amount provided for by the
    guidelines may be "modified or disregarded by the court" upon a
    showing of good cause.           R. 5:6A; see also 
    Guidelines, supra
    ,
    Appendix IX-A, ¶ 2.       All support orders, even those relying upon
    a strict application of the guidelines, "must be based on the
    evidence and supported by a statement of reasons."                    Pressler &
    Verniero, supra, comment 1.2 on R. 5:6A.
    If   a    court    determines    deviation      from     the   guidelines    is
    appropriate, it must nevertheless calculate the guidelines-based
    support award and state the specific findings justifying its
    deviation therefrom — specifically, why deviation is in the best
    interests of the child.          R. 5:6A; see also 
    Guidelines, supra
    ,
    Appendix IX-A, ¶ 21.          Thus, a court must follow this procedure
    when deviating from the guidelines to fix support in accordance
    22                                A-4973-13T4
    with   an   agreement   by     the    parties.            See    
    Guidelines, supra
    ,
    Appendix IX-A, ¶ 22.
    When a trial court issues reasons for its decision, it
    "must state clearly [its] factual findings and correlate them
    with    relevant   legal     conclusions,            so   that       parties    and    the
    appellate    courts   [are]     informed        of    the   rationale          underlying
    th[ose] conclusion[s]."         Monte v. Monte, 
    212 N.J. Super. 557
    ,
    565 (App. Div. 1986).         The trial court does not discharge that
    function     simply     by     recounting        the        parties'         conflicting
    assertions and then stating a legal conclusion, or, as here,
    incorporating by reference one of the parties' arguments.                             Also,
    a court cannot simply attach a guidelines worksheet in lieu of
    providing a statement of reasons.                Fodero v. Fodero, 355 N.J.
    Super. 168, 170 (App. Div. 2002).
    When "faced with the question of setting child support for
    college students living away from home," however, the guidelines
    are inapplicable and the court must determine support based on
    the factors set forth in N.J.S.A. 2A:34-23(a).                         
    Jacoby, supra
    ,
    427 N.J. Super. at 113; see also Guidelines, Appendix IX-A ¶ 18.
    Reliance    exclusively      upon    the    guidelines          in   these     situations
    constitutes reversible error.              
    Jacoby, supra
    , 427 N.J. Super. at
    113.
    23                                    A-4973-13T4
    Here, the court was required to consider the factors set
    forth    in   N.J.S.A.     2A:34-23(a)       when   calculating    support      for
    Catherine, as she was a college student living away from home.
    See 
    Jacoby, supra
    , 427 N.J. Super. at 113.                  With respect to the
    parties' younger daughter, Isabelle, the court was required to
    apply the guidelines and explain any deviations therefrom.                      See
    R. 5:6A.      The court did neither.         Instead, the court relied upon
    defendant's "well thought out, and clearly articulated plan for
    determining     child     support,"   and     accepted   defendant's      support
    calculations after determining they were "not off the mark."
    The court's statement regarding its abdication to defendant of
    its     obligation   to     calculate    support      did    not   satisfy      its
    obligation to provide a statement of reasons for its decision.
    See R. 1:7-4.
    The court's reliance on defendant's proposed calculations
    for Catherine's support was also improper because the relied-
    upon calculation was based on the guidelines.                  R. 5:6A.      As we
    stated in Jacoby,
    courts faced with the question of setting
    child support for college students living
    away from home must assess all applicable
    facts   and   circumstances, weighing  the
    factors set forth in N.J.S.A. 2A:34-23a.
    Resort to the [guidelines] to make support
    calculations for college students living
    away from home is error.
    24                                A-4973-13T4
    [
    Jacoby, supra
    , 427            N.J.      Super.      at     113
    (citation omitted).]
    Finally,       defendant's         argument      that        plaintiff          cannot
    challenge the court's method of calculation for the first time
    on appeal is without merit, as the court's support calculation
    was   plainly    inconsistent        with    established        law.          See   
    Nieder, supra
    , 62 N.J. at 235; 
    Jacoby, supra
    , 427 N.J. Super. at 116.
    In sum, due to the court's failure to analyze the factors
    set forth in N.J.S.A. 2A:34-23(a) when calculating Catherine's
    support, and to properly calculate Isabelle's award under the
    guidelines and explain any deviation therefrom, we conclude the
    court abused its discretion by calculating the support award in
    a   manner    inconsistent        with   established        law,    and    reverse        the
    court's order modifying support.                 We remand for determination of
    child support anew.
    In     light   of    our    determination,       we    need       not     reach     the
    parties' remaining arguments.
    Affirmed in part; reversed and remanded for calculation of
    child   support      and    the    issuance       of   a    statement         of    reasons
    consistent with this opinion.             We do not retain jurisdiction.
    25                                      A-4973-13T4