Ray is rapidly becoming my least favorite character, behind even Mandy. Hello, if you are having a crisis of faith, talk to your pastor.
Emma is a high school student, not the housekeeper, babysitter, bill payer, etc. Her remaining parent needs to get his head out of his... and start figuring out things for himself. He needs to go with Emma to or at least call the school guidance counselor or college coordinator. The person who can help guide them thru the application and loan process since Jason is and chooses to remain clueless.