Divorce can be emotionally draining—and financially overwhelming. From legal fees to lifestyle changes, divorce costs can quickly add up. Depending on the type and complexity of the divorce, it can run from a few hundred to several thousands of dollars. This article breaks down the types of divorce and the costs of divorce. It also shares helpful ideas to try to reduce costs and ways to financially prepare for life after divorce. If you find yourself facing a divorce and need more help, it’s time to talk to a professional.

If you're wondering how to pay for a divorce or trying to understand the cost of divorce, knowing what to expect can help you plan for your financial future and protect it. 

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Four Types of Divorce and What They Cost 

The cost of divorce can vary significantly based on how complex your situation is, how much you and your spouse agree on key issues, and where you live. For example, average filing fees for divorce range from as low as $80 in Washington, D.C. to around $400 in several states. And in major metropolitan areas, experienced divorce attorneys can charge more than $300 per hour, with total legal fees often exceeding $10,000.1   

Filing fees may just be the beginning. How much a divorce costs often depends on the issues around children and assets and how much both parties are willing to agree. Whether you're trying to find out how to pay for a divorce or how to afford one without draining your savings, understanding the types of divorce can help you choose the one that’s best for your unique situation. Each approach comes with its own price tag and level of complexity. Ultimately, you may want to consult a professional as you decide which route to take.

1. Uncontested Divorce

An uncontested divorce can often be the least expensive option. It involves fewer attorney hours and court fees. If both parties agree on key issues—like property division, alimony, and child custody—they can often handle the paperwork themselves. 

  • Typical costs: Filing fees can range from $80 to $400, depending on the state. Costs for a CPA or tax advisor, or real estate appraisals vary depending on where you live.2
  • Good to know: If you need a lawyer’s review, expect to pay up to $11,300 on average.3
  • How to pay: Plan ahead if you can. You may be able to use your savings or a credit card. Consider whether you can pay your balance off quickly so you don’t accrue a lot of interest. Or if you use savings, try to keep your emergency fund intact.

2. Mediated Divorce

In a mediated divorce, a neutral third party helps both sides reach an agreement. It can be more affordable than litigation but still involves professional fees.

  • Typical costs: According to Legal Zoom, mediators may charge $9,000 or more.4 
  • Good to know: Lower costs than litigation, but still variable. 
  • How to pay: It’s a good idea to budget ahead to manage these expenses, if you can. If not, you may want to look into a personal loan.

3. Collaborative Divorce

For a collaborative divorce, each party hires a lawyer, but they agree to settle without going to court. This method may involve many meetings and could be more expensive than a mediated divorce.

  • Typical costs: Starting costs could range between $15,000 and $30,000, depending on the complexity of the case.5
  • Good to know: Includes a lot of meetings and professional services. 
  • How to pay: A personal loan could help cover attorney fees and related costs.

4. Litigated Divorce

A litigated divorce is generally the most expensive option. If the divorce goes to court, legal fees can skyrocket due to lengthy proceedings.

  • Typical costs: $20,000 or more per party is not uncommon, depending on how many issues are reviewed in trial.7
  • Good to know: Legal fees can exceed $450 per hour in major cities.7   
  • How to pay: For people with limited funds, a personal loan may offer options.

Ways to Lower Divorce Costs 

There are several ways to help reduce the financial burden of a divorce and avoid unnecessary expenses: 

  • Choose a mediated or uncontested divorce to avoid court battles and significantly cut legal fees.
  • Use online divorce platforms for DIY legal paperwork (often under $500).8    
  • Hire a junior lawyer or paralegal to reduce hourly rates. Their hourly rates will be lower but also vary by law firm. 
  • Organize your own financial records to cut the number of billable hours. People who do this work in advance may save thousands of dollars in legal fees.
  • Explore pro bono legal aid through local bar associations.
  • Seek out divorce support organizations that offer financial and legal guidance. They can help connect you with professionals who can recommend the most cost-effective plan based on your situation. 

Planning for Divorce Expenses 

Planning ahead is key to managing the cost of any type of divorce. Start by deciding the type of divorce you’ll pursue. Then, research the average costs in your city and state. That could involve asking local divorce lawyers about their rates and whether they offer a payment plan. 

Next, you can create a divorce-specific budget. Include your estimated legal, housing, and child-related expenses. Once you have a better idea of what you’ll need, you can explore financing options, including personal loans from Discover®. 

Post-Divorce Financial Considerations 

It’s important to know that the financial impact of divorce doesn’t end with the final decree. Post-divorce expenses can include:

  • Moving and new housing costs
  • Health insurance changes
  • Retirement account adjustments
  • Legal fees for modifications or enforcement

These typical post-divorce costs can affect your long-term financial health, so don’t forget to plan for life after divorce. Update your beneficiaries on insurance and retirement accounts, plan on rebuilding your budget based on your new income and expenses, and be sure to review your credit report and adjust your financial goals for your new life. 

Divorce is one of the most challenging life events one can go through. With the right information and financial tools, you can navigate the financial part of it with confidence. If you’re concerned about how to afford a divorce, a personal loan from Discover may help cover the costs and ease the financial strain.

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1 https://www.findlaw.com/family/divorce/how-much-does-a-divorce-cost-by-state.html
2 https://www.findlaw.com/family/divorce/how-much-does-a-divorce-cost-by-state.html
3 https://www.fool.com/the-ascent/research/average-cost-of-divorce/
4 https://www.legalzoom.com/articles/how-much-does-a-divorce-cost-the-complete-breakdown
5 https://www.kiplinger.com/personal-finance/how-much-will-getting-divorced-cost-you
6 https://www.fool.com/the-ascent/research/average-cost-of-divorce/
7 https://www.findlaw.com/family/divorce/how-much-does-a-divorce-cost-by-state.html
8 https://divorce.com/blog/how-much-does-a-divorce-cost/

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