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        "Payment Protection" Services!

         Paycare Program

Parent's Frequently Asked Questions

If I need more time than 12 months, can I have more time?

-Yes! We can give a parent up to 24 months to replenish their "Family Fund" for large balances,as we can provide families up to $10,000.00 maximum each time, based on what each family can reasonably replenish in 90 to 120 days!  *Note: Our Program has been upgraded to fund amounts of $25K, up to a maximum of $50K! 

Will my background be reviewed?

-Yes, but don’t worry about that! We can help all parents as long as their information is verifiable. Our Program is not credit-focused & your credit score is not affected!

Other than my membership fee, are there any other fees?

-Yes! However, there are typically no up-front fees for parents, as fees come out of the funds                    Paycare Provides for your family!  

What are the 2023 Program Upgrades that everyone is talking about?

-Upgrades include: 

*Consultation to address parents' Bill for their child(ren) w/ no interest for up to 120 days!

*Bill paid, directly from our office, on behalf of families.

*Previous $5,000.00 maximum amounts now increased to $10,000.00 dollars!

*Parent's credit still goes unaffected (soft pull), but now replenishments also build their credit!

* Ultimately, Parents can receive a card to use for store purchases! 

What are the interest rates if I need more than 12 months?

-ALL Families enjoy up to 120 days to pay their bill, with no interest involved! If you need more than 12 months, which is PAST your membership period, the interest will be specific to your situation. 

My pay history is weak so can I get a "Pay Incentive" to pay my child’s bill?

-Yes! We can help all parents as long as their information is verifiable since our Paycare Program is not credit-based!  Again, your credit score can be in the 500's and will not be affected.

What if I don't prefer the Program's 'replenishment' feature, but want 1-time assistance for my family?

-While our Program is wonderful, it is not always the right Program for every family; So, we simply refer you to contact the

  resources in your community which provide 1-time assistance with no replenishment requirement!

-Our "Replenishment' feature allows families repeat access to funds while also allowing our funding to 'match' those dollars to 

  be available to assist the next family. This is our Program's "Pay-It-Forward" approach to each family helping both themselves 

  & the next family!

Does my membership cover all my children in my household?

-No! Paycare membership is per child with no set limit to the number of 'Pay Incentives' which can be paid for that specific child over the course of the 12-month membership period. There is no limit on the # of facilities which can be paid for each child.

Once I join, does my facility also have to be a member?

-No! Only Paycare members can receive Paycare 'Pay Incentives' so we provide funds directly to parents until the facility joins!

*No Worries! We can typically get the facility set up within a day or so, once we inform them we are prepared to

  pay your and any other parent's Pay incentives directly to them from our "Family Fund"!

Since Paycare is not a lender, why were my  final forms from a financial office?

- A Private family foundation who is providing permanent funding to our non-profit (as their “give-back” to the Community), has amassed their fortune from providing alternative lending services. Because our non-profit unashamedly does not have the Manpower to track funding, family replenishments, and repeat access amounts for families, The Private family foundation utilizes

one of its offices to do so.   

-However, only through our Non-profit, is there NEVER any interest when families replenish their “Pay Incentive” within 90 to 120 days, families credit scores are not affected, their credit is not a determining factor for funds and the amount funded is based on an amount that particular family can reasonably replenish back to themselves within 90 to 120 days because Paycare is built to be an ongoing support for the family, via repeat access to funds while also matching their replenishments to help the next family! 


Is there anyone that Paycare Program cannot help?

-While our program is wonderful, we do focus on parents and/or caregivers of children.  Specifically, parents who can typically meet their obligations, but are experiencing a temporary financial challenge.  We serve parents on a 'from-time-to-time' basis, over their 12-mo membership period.

Is there anything else I should know?

-Yes! You receive a FREE Paycare membership card which allows you continued access to "Pay Incentives" during your  1-year membership!


*The above also applies to all Paycare Service Areas Below: