Do You Qualify for Childcare Subsidies?
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Federal Programs Available Everywhere
Child & Dependent Care Tax Credit
Claim up to $3,000 (one child) or $6,000 (two or more) in childcare expenses. Worth 20–35% of costs depending on income. Available to most working families regardless of state.
IRS details →Dependent Care FSA
If your employer offers it, contribute up to $5,000 pre-tax per year for childcare. Reduces your taxable income dollar-for-dollar. Check with your HR department.
Head Start / Early Head Start
Free federally funded program for children from low-income families. Head Start covers ages 3–5, Early Head Start covers birth to 3. Eligibility: at or below the federal poverty line (~$31,200 for a family of four).
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