I Pay Childcare :: Loan Calculator

"Average annual childcare fees for an infant are higher than the average amount families spend on food each year. National Association of Child Care Resources and Referral Agencies"

"Nationally, the average cost for infant care ranges from $3803 to $13,480 per year."

"Average cost of childcare in California is $4,022 compared to University education costs of $3,164."

"Lisa Rivero, of Massachusetts, found day care centers ranging from $1,500 to $2,000 a month. “We went into shock. That’s like a second mortgage!”"

"Average priced infant care costs for two parent families are 10.6% of household income each year."

"Single parent families pay nearly 33% of annual household income on infant care."

"According to the NY Times, high quality preschool programs tend to make better educated and better prepared students than children who are home with a parent full time."

"The high price of childcare, $3,016 to $13,480 per year for one child, strains family budgets and forces parents to make sacrifices in the quality of care their children receive."

"With child care costs as high as or higher than housing costs in most states, middle income families struggle to afford any child care, much less high quality child care."

"“The Parent Trap”: Parents want their children in safe, nurturing environments that prepare them for kindergarten, but they simply can’t afford it in many cases."

"A family in Virginia, who pays average fees for child care for two children, will pay $719 more a month for care than they would for the average monthly rent payment."

"For working families with more than one child in care, child care costs are even more likely to exceed housing costs. "

"In every state but Nevada, child care fees for two children at any age exceed the median rent cost in the state. "

"“Families are likely to spend more on child care then they do for health care and food combined,” Linda Smith, Executive Director of NACCRRA."

"A recent survey of more than 600 women revealed one out of four women aged 25-34 stated they delayed having a child or having a subsequent child due to the high cost of childcare."

Wednesday, Jan-07-2009





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Reason 1 Afford the Best childcare possible	Reason 2 Lower your monthly payments

Reason 3 We make the payment process easy with ACH debits	Reason 4 Flexible payment plans
Reason 5 Increased income potential by staying in the workforce	Reason 6 Obtain lower interest rates vs. traditional credit cards
Reason 7 Spread monthly payments over time	Reason 8 Educate Early(TM) Payment Plan is a dedicated loan for your childcare needs
Reason 9 Borrow only what you need, keep interest accrued to a minimum	Reason 10 Use monthly savings to improve quality of life

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Determine your monthly child care costs in a few simple steps.

This Calculation is based on 1 child only
Monthly cost of child care *:	$
No. of years your child will need care*:		Years
What is the monthly contribution for child care by the family? *(Minimum of 50% of full monthly payment required)	$
Would you like a Fixed Payment for the life of the loan?		Yes No
Would you like a balloon payment when child care is completed? *		Yes No
How many years will you take to repay your loan after the childcare need is completed?*
Would you like a fixed monthly payment while your child is enrolled in day care?*
Rate of Interest *:		%
Information about childcare center where your loan will be used
Name of Childcare Center
State
City
Zip Code		-
Phone No.
Contact person at child care center
Email Address