Financing Assistance. Child care is a major family expense. The average cost for daycare and before/after-school care is $5,700 per child per year, although families may pay $10,000 or more for high-quality center-based or in-home care.inancing Assistance. Child care is a major family expense. The average cost for daycare and before/after-school care is $5,700 per child per year, although families may pay $10,000 or more for high-quality center-based or in-home care.