Like the previous posters said, look into childcare subsidies through your county. I get a subsidy from the county for child care (I have three babies, and the assistance is not only yearly income based, it's also based on what you are doing, ie school, trade, type of employment and whether it is feasible for you to pay your own child care fully). Also, some associates of mine receive childcare "scholarships
" through the local day care centers because they are going to school for nursing. The local universities/colleges with an on-campus daycare center also allow you to use financial aid for payment, or they subsidize payment based on your grant/financial aid package. Check with your local Department of Labor, because they will also refer you to different programs that will pay some or all of your child care. As for the question of loans, when I was in CC, loans where paid through the college in the form of a check that you cashed. You used the money for tuition, transportation, housing, whatever. I would suppose that means child care also. Hope I helped.