Step-by-step: planning school and childcare costs

1. List your needs

   Write down care hours and school needs.

2. Research providers

   Make a list of options.

3. Ask for fee lists

   Get written lists of all fees.

4. Check licensing

   Look up inspection reports.

5. Apply for assistance

   Check state programs and Head Start.

6. Ask your employer

   Ask about dependent care benefits.

7. Apply for school programs

   Apply for meals and fee waivers.

8. Compare options

   Compare cost and quality.

9. Read the contract

   Check withdrawal and late policies.

10. Keep receipts

    Save receipts for tax credits.