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Financial Assistance
Financial Assistance to Pay for Child Care
For many families, paying for child care is a challenge. You may be eligible for financial assistance through child care subsidies, tax credits, or an employer assistance program.

New Jersey Cares for Kids (NJCK)
Effective December 7, 2015, New Jersey Cares for Kids Clients will be seen by appointment only. Please call (201) 336-7150 to schedule an appointment. NJCK Clients who walk in without an appointment will be given the opportunity to set one up at a later time. It is not necessary to schedule an appointment to drop off paperwork which may be done at any time in our dropbox.

NJCK subsidizes child care costs for low and moderate income families. For eligibility guidelines for NJCK, visit the New Jersey Department of Human Services website. In Bergen County, the NJCK child care subsidy program is administered by the Office for Children.

New Jersey Cares For Kids Child Care Certificate Program

View Frequently Asked Questions about NJCK (view in Spanish).

Download the NJCK Application (view in Spanish).

Work First New Jersey (WFNJ)
WFNJ participants are eligible for child care subsidy assistance if they need child care to work, look for work, or participate in an approved work activity. Transitional Child Care benefits may be provided for up to two years when a WFNJ participant gets a job and is no longer receiving cash assistance through the WNFJ program. In Bergen County, the WFNJ child care subsidy program is administered through the Office for Children. Eligibility for WFNJ benefits is determined by the Bergen County Board of Social Services. Find more information about WFNJ eligibility and how to apply.

Earned Income Tax Credits
Families in New Jersey may be eligible for both federal and state Earned Income Tax Credits. These credits reduce the amount of tax owed for eligible low income workers and may provide a refund, even if the person has no tax liability. Visit the New Jersey EITC website for more information. You can also visit the Federal EITC website for more information.

Federal Child & Dependent Care Credits
You may be eligible for these tax benefits that can help you pay for child care and other expenses. Visit the National Women’s Law Center website for more information.

Employer Assistance & Flexible Spending Accounts
Ask your employer if a flexible spending account is offered or if other benefits are offered to assist with child care expenses. With a flexible spending account, child care expenses are paid with “before tax” earnings. Visit the National Women's Law Center website for more detailed information about flexible spending accounts.

Kinship Navigator
Kinship caregivers may be eligible to receive a variety of support services and financial aid (including child care subsidy) through the NJ Kinship Navigator Program. Kinship caregivers are special people who have taken on the responsibility of caring for their relatives’ children – these children might be the caregiver's siblings, nieces, nephews, or, most often, their grandchildren. For information on eligibility and services, call the Kinship Navigator toll-free at 211.

Child Care Military Fee Assistance Programs
View information on child care assistance for military families.

NJ Family Care
View information on affordable health insurance coverage from NJ Family Care.