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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I'm a SAHM with a husband making $80k a year and two kids. I left my job when we had our first child and he made $65k. It's fairly common outside DCUM/private school rich bubbles.

We've been lucky with private school financial aid and government assistance. I say it's worth applying![/quote]

As long as the financial aid calculation is based on your income being 130-140k, I’m fine with it.  I would not be fine with it based on a 80k income only.[/quote]

It doesn't matter what you'd be fine with as its the schools decision, not yours.  But, there is no way they are getting government assistance making $80K aa year. [/quote]

You're not getting TANF or SNAP on $80K/year with 2 kids, even in DC with it's very high income limits.  Try again with your attempt to be inflammatory.  [/quote]

No TANF or SNAP, but Medicaid with a premium for the kids and once they qualify for that they also qualify for WIC. Down payment assistance and other home buying loan programs that offer manageable interest rates also help. $80k is plenty manageable in this area for a family of 4 once you're aware of these programs. [b]I encourage anyone who wants to have one parent stay home look into their options and apply for financial aid at private schools.[/quote][/b]

This was pretty skillful trolling, but you overplayed your hand with that last line. [/quote]

It might not be trolling at all. DC covers minors up to 319% of the federal poverty level so a four-person household's monthly income only needs to be less than $7,155 to qualify. When you go to the WIC site for DC, if you have minor children who qualify for Medicaid, it says they also qualify for WIC. [/quote]

It’s the chip program which is not Medicaid.  It’s low cost health care for kids but it’s a different program and not free like Medicaid.

https://www.healthcare.gov/medicaid-chip/childrens-health-insurance-program/

It has premiums and copays whereas Medicaid has no copays or premiums.

But at $80k they are not getting much.

[/quote]

Yes, but that’s exactly what she said. Medicaid with a premium, then WIC. Other posters said that’s not possible at all. I’m saying if it’s trolling they did a lot of research to figure out exactly which benefits to cite and at which income levels. The housing downpayment program has a higher income level.if they bought te years ago when prices were more affordable, it’s quite possible they have a very low mortgage payer.[/quote]

I spent many years working in social services doing these kinds of programs.  [b]You should spend a few years working in it, especially if yo are going to argue that its a medicaid program when its not.[/b]  Then, you might get some empathy and understanding on how others live.  You wouldn't earn a lot so a parent like you may not want your kids in the private school as they'd probably look down on your kids like you do some of us doing these jobs.

[b]This is NOT medicaid. [/b] It is a different program all together. [b] This has nothing to do with medicaid.[/b]  It is a program for families who don't qualify for medicaid as they earn to much but don't get health insurance through their employer for kids and cannot afford private pay insurance.  This program has premiums and co-pays unlike medicaid.  This is not medicaid with premiums.   If you get medicaid, you'd probably get food stamps, WIC (if kids are under 5) and many other programs.   WIC/Food Stamps are all income based.  And, you can qualify for one and not the other.

The downpayment programs are really hard to qualify for - you'd have to find a house in your price range, have good enough credit to get a mortgage and much more.  The help is only 2% or so of the costs so you are talking a couple of thousand at best.  There are other housing programs, I tried some for myself but the cost of the homes was more than we could buy outside the program and it made no sense.

If they need a nursing home, long term medicaid has different income limits that are much higher but that's an entirely different situation.

$80-100K is the true donut family.  You make too much for benefits but just barely enough to survive on.  They may qualify for county rec, may qualify for county child care (working parent - there are two different programs depending on income) and a few other things.  Maybe utility assistance.  But, you aren't getting wic, food stamps or medicaid.  They need to raise the income limits so more families qualify but they'll never do that.

They would have had to buy 25+ years ago as 20 years ago we hit a height of the market and many homes were over $300K, which would be unaffordable.[/quote]

1. If it's not Medicaid, you should tell that to the DC health care office because this website: [/url]https://dhcf.dc.gov/service/infants-children-0-20[url] literally says District of Columbia Medicaid for Infants and Children with a monthly income of $7,155 per month. Here's another page: [url]https://dhcf.dc.gov/sites/default/files/dc/sites/dhcf/publication/attachments/DCMedicaidAllianceFactSheet.pdf[/url] Technicallly it may be funded by CHIP, but it says Medicaid everywhere.

2. The HPAP loan covers up to $4,000 in closing costs and up to 80,000 in financing assistance. If you are below the 80% of median income in DC (which a family of 4 at $80K would be, you would qualify for that loan to be deferred until the property is sold. If you are between 80-110% of the median income, that loan is deferred for five years and then kicks into a 40 year repayment cycle. Here's the link [url]https://dhcd.dc.gov/service/home-purchase-assistance-program-hpap[/url] Relative bought a very affordable house a decade ago using that program for under $250K. Value up 3x.

3. I actually do work in a program similar to this and have quite a bit of empathy of families that earn $80K and below. Most of the people I work with have combined income far below $80K.

4. There were years, not that long ago, when my own family's income was around there. I took off time when my kids were born so I know expenses can be tight. They are tighter when you don't have to pay for childcare.

5. I don't, however, have any empathy for a two person, one income family that's claiming that they shouldn't have to work and should qualify for a ton of financial aid because they made that choice. If you made that choice, you need to accept the consequences of that choice. All most of us are saying is that the private school would/might/should impute an income for a non-working parent that doesn't have a valid reason not to work. Homeschooling (and I've done this too precovid) is not a valid reason to require private school to pay you extra to send your kid there. [/quote]

Its not medicaid but its on the medicaid page for those who don't qualify.

What you are talking about is a loan, not a grant so people have to pay it back.

Have you actually worked in direct service with these programs or are you just federal and policy?[/quote]

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