Because 18 is the "age of majority" in NYS but you are financially responsible until 21. Specifically, the Family Court Act makes a parent liable for the support of any unemancipated child under 21. I don't know what the law is in SC or FL, but if you are subject to the jurisdiction of the NY Courts, this applies to you.
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Yes, this varies from state to state. In NY, parents are usually responsible for child support until age 21.
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