need help paying for childcare

Can You Get Financial Help With Childcare Costs In Tennessee?

Are you one of the many parents in Tennessee distressed by the growing childcare costs in your area? Perhaps you are wondering if you can get financial help with the childcare costs.

The state of Tennessee does have many programs that provide eligible families with financial aid to help cover the cost of childcare.

In this article, you will be able to look at the cost of daycare in Tennessee and find out if you are eligible for any of the financial assistance programs offered by the State.

Childcare Costs In Tennessee

The high childcare costs in Tennessee, are no secret. Unfortunately, parents are stuck attempting to locate reliable and affordable child care. Meanwhile, they must be able to go to work with a clear head and no worries.

Research estimates that after a year, the cost of childcare for a newborn is comparable to a family's monthly rent in Tennessee. The typical yearly cost of child care in Tennessee is between $7,500 and $8,500, with infant care being closer to the upper end of that range. If you're keeping track, that's around $700-$800 a month.

So, it makes sense if you’re looking for financial help.

Tennessee Government Programs To Assist With Childcare

Thankfully, low-income families in Tennessee may get help paying for childcare with several programs offered by the state's Department of Human Services. Visit your local DHS office to apply for assistance. It may be necessary to make a partial payment for your service.

If a parent qualifies for one of the programs, they are free to utilize whichever childcare arrangement works best for them. However, participation in the certificate payment scheme by the selected supplier is a prerequisite. The Department negotiates rates of compensation with the service provider.

Below you will find some programs that are offered:

Families First Child Care Assistance

Parents enrolled in Families First who need help paying for childcare to carry out the duties outlined in their responsibility plan are eligible for childcare subsidy payments. In the Families First program, there is no parent co-pay. Family First income requirements will be used to determine eligibility.

Transitional Child Care Assistance

There is a possibility that parents whose Families First case has been concluded may be able to receive 18 months of transitional child care support. To participate in this program, both parents must work at least 30 hours each week. There is an income-related co-payment that parents must make.

At-Risk Child Only

Caretakers other than biological parents who are receiving Families First for a child in their care may be eligible for this program. At least 30 hours of participation in a weekly job, training, or study and a co-payment based on a sliding income scale are requirements for eligible guardians.

Smart Steps Child Care Payment Assistance

Helping families afford child care is one of the primary motivations for creating this program for working parents and those seeking higher education. The co-pay amount the family is responsible for is determined by their household income level. The only care that is licensed by TDHS or authorized by the DOE may be used for children between the ages of six (6) weeks and kindergarten.

Teen Child Care Assistance

Mothers who are currently enrolled in an accredited secondary school or high school are encouraged to apply. If these moms want to continue receiving child care support, they will need to stay in school. There is also an income-related co-payment that parents must make.

woman signing Tennessee flex loans contract and receiving flex loan cash

How Flex Loans Can Help

If the economy has put a strain on your finances, as well as childcare, taking out a flex loan could be an option for you. Tennessee flex loans or a line of credit loan from Tennessee Title Loans, Inc. may be the assistance you are looking for. With their quick processing and all-credit welcome attitude, you could get your hands on up to $4,000 the very same day or the next business day.

Flex Loan Process

  1. Fill out the online form located on the Tennessee Title Loans, Inc. homepage.
  2. Wait for a loan representative from the nearest Tennessee location to give you a call.
  3. Bring the required items listed above for verification and inspection.
  4. After verifying your required items and inspecting your vehicle, a representative will walk you through the final steps of the approval process, including the simple paperwork.
  5. On approval, you will receive the money on the same day or the following business day.

So, what are you waiting for? Look into the government-offered programs when paying for childcare costs or get Tennessee flex loans and make your life easier!


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.