You have some extremely difficult, major life decisions to make. I'd say to heck with applying for one single cent more of financial aid for this goof. As for the back-owed money, you are in an equity state. That means the debt cannot be divided 50/50 as it could be in a community property state. Have you seen an attorney about ways to lessen or expunge this debt? This guy is abusing the system and you should take measures to see to it that you are not financially destroyed by his folly.