Reply to what do middle income households who have kiddos with SN do in the DMV?

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Reply to "what do middle income households who have kiddos with SN do in the DMV?"

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[quote=Anonymous][quote=Anonymous]OP here. We own our home in a wonderful community with a very reasonable mortgage (affordable because of the v poor reputation of our school district). One of our concerns is that the current school district will not be able to provide reasonable services for our child. Do we try to sell our home and move to a more expensive district for our child and where should we go? We can afford 750k but don't feel comfortable going above that. One of us commutes to downtown most days so far out suburbs are not an option we'd consider - especially given the number of appointments our kid has, all close in to DC.

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Sounds like these are the positives:
- You like your house
- You like your community/neighborhood
- You like the size of your monthly PITI payment (principal, interest, taxes, insurance)

The problems:
- Serious concerns that your school district will not meet your child’s needs 
- Serious time constraints/life pressures that make it hard to juggle employment, child, domestic affairs etc.

My initial reading of the facts point to trying to stay put for now, while exploring+ maximizing all resources/services available to your family via medical insurance, the public school district, and whatever you might be able to afford out of pocket. (The transactional costs of selling, buying, and moving in this area likely to run tens of thousands of dollars. Ouch!)

Unclear how deep into it you are with the school district, but other posters have noted that you may be pleasantly surprised.

In the meantime, you could try to squeeze your budget a bit and start stashing away some “new house” cash. That way, if your concerns about the district are substantiated, you’ll feel well positioned to make a move one, two, three years down the line. (Such a timeline might prove optimal anyway because interest rates on savings accounts are pretty good right now and mortgage rates should come down in a year two after the Fed stops hiking.)

Is your family eligible for any special county or state programs designed to help defray costs tied to caring for a special-needs child? I ask because I just received a $2K check from the State of Maryland’s LISS program for exactly this purpose. Won’t cover all of our out-of-pocket expenses but does take this sting out a bit.

You got this! Your kid is lucky to have a thoughtful, caring parent.

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