Let me put it to you this way...

It isn't a trivial amount. Personally, I don't care. My "supporters" chastised me because as far as I was concerned, I was ready to wash my hands of the financials and walk away, I was only concerned about custody and access to the kids...

My mind is... now clearer on what that might look like... and my current ability to financially support the kids while they are with me...

on the other part, and this is the non-trivial amount, my W and her side of the family appear to have this belief that kids should learn the value of paying for their higher education themselves...

While I certainly see the value of that, I am more of the mindset that they can pay back the loan, if they need to get that value. But in the mean time, the way my W appears to be spending money right now, there'll be nothing to put away for their higher education... something that I believe is a given to provide for them... at least the option if they choose it...

and if it's not used for education, or whatever's left... can be wedding dowry, or starter apartment or home... whatever...

So for the now, it's a big decision to sign... or "guess" whether it's worth to pressure or proceed to court...