smart spending

How to cut child day care costs

Scholarships and subsidies
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Federal and state governments as well as private companies, religious organizations and day care agencies themselves are willing to help those who need it. According to NACCRRA's executive director Linda K. Smith, most states offer subsidies for parents earning less than 200 percent of the poverty line -- approximately $44,100 for a family of four, according to the U.S. Census Bureau.

"The problem comes when parents earn more than that because they aren't making enough money to pay for child care, but they're earning too much for the subsidy," says Smith.

Smith advises parents in that position to investigate child day care scholarships. While certain care centers offer price breaks for low-income families, larger childhood development organizations offer multiyear scholarships to pre-kindergarten education programs. To investigate what's available in your area, contact your state's social services department and early childhood foundations.




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