Minnesota Childcare Assistance for Single Mothers: The Complete 2025 Guide

Last updated: September 2025

This is your step‑by‑step, no‑fluff playbook to get help paying for child care in Minnesota. It focuses on the programs that move fastest and pay the most, with real amounts, timelines, and direct links to apply.

Apply for Child Care Assistance (MNbenefits online application). Application reviews may take up to 30 business days. Families experiencing homelessness can get expedited handling and extra time to turn in documents. (mnbenefits.mn.gov, dcyf.mn.gov)

Quick Help Box

• Apply for Child Care Assistance (CCAP) online at MNbenefits — fastest route statewide. Processing can take up to 30 business days. If homeless, you can be approved before you turn in all verifications and then have 3 months to submit proof. (mnbenefits.mn.gov, revisor.mn.gov)
• Find your local office (county or Tribal CCAP): use the County & Tribal CCAP directory (phone numbers listed). If a wait list exists, ask to be added the same day. (mn.gov)
• Talk to a human who can search child care openings for you: Parent Aware hotline 888‑291‑9811 or United Way 211—dial 2‑1‑1 or 800‑543‑7709. (childcareawaremn.org, 211unitedway.org)
• Ask about scholarships for infants–pre‑K: Apply for Early Learning Scholarships. Awards can reach the low five figures per year depending on age, county, and provider rating. (dcyf.mn.gov, education.mn.gov)
• Student parent? Apply for the Postsecondary Child Care Grant (up to $6,500 per child per academic year). (ohe.state.mn.us)
• Military family? Check DoD fee assistance (MCCYN). Army covers up to $1,800/month per child above your parent fee. Start at MilitaryChildCare.com via CCAoA. (childcareaware.org)

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Quick Reference Cheat Sheet (Minnesota, 2025)

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Minnesota’s Child Care Assistance Program (CCAP): What to do first

Start here: submit the CCAP application online. It routes your request to the correct county or Tribal agency and creates your “application date,” which matters for back‑dating eligibility. Use MNbenefits. (mnbenefits.mn.gov)

If you can’t use the internet, call your local office directly from the County & Tribal CCAP directory (all phone numbers) and ask them to mail a paper packet or schedule time to apply by phone. (mn.gov)

Who qualifies (the short version)

• You’re working, in school/training, or doing approved activities. Employed parents must average 20 hours/week at minimum wage unless your approved plan allows fewer hours. Job search is covered for up to 40 hours each biweekly “service period.” (revisor.mn.gov)
• Your household meets the income test (below), your assets are ≤ $1,000,000, and you cooperate with child support for children with an absent parent (they’ll tell you how). (revisor.mn.gov)
• Children are generally under 13 (or up to 14 with a disability) and meet citizenship/immigration rules. (dcyf.mn.gov)

2025 CCAP entrance income limits (47% of SMI)

These amounts are the “apply and get in” income thresholds. At your yearly renewal, you can usually stay on up to 67% SMI. Minnesota updates these figures annually.

Source: Minnesota DCYF CCAP eligibility page. Note: guidelines will refresh on Oct. 13, 2025. (dcyf.mn.gov)

Redetermination income limit: ≤ 67% SMI (varies by family size; see the Copayment Schedule PDF listed on the DCYF page for the dollar amounts when you renew). (revisor.mn.gov)

How to apply (and how long it really takes)

• Apply online at MNbenefits. Upload pay stubs and other documents from your phone.
• After you apply, a worker reviews your case. Standard review time is “up to 30 business days.” Your county may call for a phone interview. (dcyf.mn.gov)
• If you’re homeless, you can be approved quickly with limited paperwork and have 3 months to submit proof and start an activity (work, school). (revisor.mn.gov)

Required documents (attach these with your application)

• Photo ID for the parent.
• Proof of Minnesota address (lease, utility bill).
• Last 30 days of pay stubs or other income proof; for self‑employed, recent taxes and records.
• School/training schedule if you’re a student.
• Child support info (they’ll give you forms to sign to show cooperation).
• Child’s birth certificate (or other proof of relationship/age), and if applicable, disability documentation.

See the “What we verify” and timelines in Minnesota Statutes; homeless applicants have special handling and extra time. (revisor.mn.gov)

What you pay (copays) and what CCAP pays

Minnesota sets a sliding copay based on family size and income; CCAP pays the rest up to the state’s maximum rate for your county, provider type (center vs. family child care), and the child’s age. The state must update the copay table within three months of new SMI/FPL data each year. Check the current schedule: “CCAP Copayment Schedules DHS‑6413M.” (revisor.mn.gov, dhs.state.mn.us)

Minnesota law currently sets CCAP maximum reimbursement rates at the 75th percentile of the most recent market rate survey, with automatic updates every three years (first round took effect Oct. 30, 2023; next took effect starting January 2025). That’s meant to keep rates aligned with what providers actually charge in your area. (revisor.mn.gov, content.govdelivery.com)

Reality check on prices

Average weekly child care prices (April 2024) from Child Care Aware of Minnesota:

These are typical charges, not what CCAP pays. CCAP pays up to its maximums; you cover your copay plus any amount your provider charges above the CCAP maximum. Ask your provider for their rates and your county what the CCAP maximum is for your situation. (childcareawaremn.org)

Example: Single mom of one (age 2), Ramsey County

• Your gross income is **$30,000/year\ast \ast ($2,500/mo).
• You choose a Parent Aware‑rated center charging $330/week for toddlers.
• Your CCAP copay is taken from the state schedule; CCAP pays the rest up to Ramsey County’s CCAP maximum for a toddler in a center. If your provider charges above the CCAP maximum, you pay that difference too. Check with your worker for the exact copay and Ramsey maximum for your child’s age and setting. (dhs.state.mn.us)

If your county has a wait list (Basic Sliding Fee)

Many counties serve families not on MFIP/DWP through Basic Sliding Fee (BSF). When funds are tight, counties keep a wait list. The agency must do a quick eligibility pre‑screen and add you the day you ask, then call you in priority order as funds free up. Some counties (like Hennepin) periodically open/close their wait list. (revisor.mn.gov, hennepin.us)

Minnesota law sets the order of who gets served first on the BSF wait list (student parents without a diploma, veterans’ families, portability pool movers, transition‑year families, then others). Always ask which priority you’re in and confirm your “wait list date” in writing. (revisor.mn.gov)

Using family, friend, or neighbor care (legal nonlicensed providers)

If licensed care doesn’t fit your hours, you can use a family/friend/neighbor (FFN) caregiver who registers with CCAP as a “legal nonlicensed (LNL) provider.” Requirements: background study, pediatric CPR/First Aid, health & safety training, group size/age limits, and annual monitoring if they care for an unrelated child. The state pays them directly (with your copay) if they’re registered. (dcyf.mn.gov, revisor.mn.gov)

• Become an LNL provider (what to do and what’s required): DCYF FFN/LNL page. (dcyf.mn.gov)

Timelines and redeterminations

• Standard application review: up to 30 business days (counties may finish faster). (dcyf.mn.gov)
• Homeless applicants: approval/denial notice within 5 working days can be required based on limited info; 3 months to provide full proofs. (revisor.mn.gov)
• 12‑month eligibility: once approved, most families stay eligible for a 12‑month period, with changes handled at redetermination unless a major change occurs. CCAP uses biweekly “service periods” for authorizing hours and copays. (revisor.mn.gov)

What to do if this doesn’t work

• Ask to be added to the BSF wait list immediately (same day) and confirm your priority group and date.
• Apply for Early Learning Scholarships if your child is 0–4 and you choose a Parent Aware‑participating program. (dcyf.mn.gov)
• Call 2‑1‑1 (or 800‑543‑7709) for local short‑term child care resources and emergency help while you wait. (211unitedway.org)

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Early Learning Scholarships (birth to pre‑K)

Action first: create an account and apply on the Early Learning Scholarships Hub. Scholarships must be used at a Parent Aware‑participating program (centers, school programs, licensed family child care). (education.mn.gov)

• Who qualifies: children age 0–4 (age as of Sept. 1 of the school year) not yet in kindergarten, with family income ≤ 85% of SMI or participation in certain programs (SNAP, MFIP, Head Start, etc.). Families ≤ 47% SMI are prioritized. (dcyf.mn.gov)
• Award amounts: Since July 1, 2024, maximums vary by child age, county, program type, and Parent Aware rating. Earlier caps were $12,000–$15,000/year depending on rating/program type; check the current “Maximum Award Amounts” page from MDE/DCYF when you apply. (education.mn.gov)

2025 income guidelines for scholarships (85% and 47% of SMI)

Full table (up to 13) is on the official page. Apply online; paper applications are available through Area Administrators. (dcyf.mn.gov)

What to do if this doesn’t work

• If no scholarship is available, ask to be wait‑listed and apply for CCAP (you can use both CCAP and scholarships in some situations; the program will explain how payments coordinate).
• Ask your provider if they have Pathway II scholarship slots (awarded directly by some Four‑Star programs). (education.mn.gov)

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Head Start & Early Head Start (free programs)

Head Start (3–5) and Early Head Start (pregnancy–age 3) are free, comprehensive early learning programs. Most spots are for families at or below 100% of the Federal Poverty Guidelines (FPG), but foster children, children experiencing homelessness, and families on TANF/SNAP/SSI are income‑eligible regardless. 2025 FPG for a family of three: $26,650. Find a local program with the Head Start locator or call 866‑763‑6481. (aspe.hhs.gov, acf.hhs.gov)

What to do if this doesn’t work

• Ask the local grantee to put your child on the wait list (turnover happens during the year). Keep your CCAP or scholarship application moving in parallel. (acf.hhs.gov)

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Student parents: Minnesota’s Postsecondary Child Care Grant (PCPG)

If you’re in college or training, not on MFIP, and meet income rules, PCPG can cover child care up to 40 hours/week per eligible child with a maximum of $6,500 per child per academic year (an extra +10% allowed for infant care in some counties). Apply through your school’s financial aid office and the MNAid Student Portal (you must also file FAFSA or MN Dream Act). (ohe.state.mn.us, ohe.mn.gov)

What to do if this doesn’t work

• Ask your campus about emergency grants or the Student Parent Support Initiative; some colleges and nonprofits (e.g., Jeremiah Program) have additional aid. (ohe.mn.gov)

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Military families (Active Duty, Guard, Reserve): DoD Fee Assistance

If you can’t access on‑installation child care, the DoD’s “Military Child Care in Your Neighborhood (MCCYN)” helps pay community provider tuition. For Army families, the subsidy equals the difference between your DoD parent fee and the provider’s rate, up to $1,800 per child per month. Start your request on MilitaryChildCare.com; Child Care Aware® of America administers the program and can help at 800‑424‑2246. (childcareaware.org)

What to do if this doesn’t work

• Ask whether your state participates in MCCYN‑PLUS (when accredited care isn’t available) or whether your branch offers respite care hours. (childcareaware.org)

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Tax credits and pre‑tax accounts that put cash back in your pocket

• Federal Child and Dependent Care Tax Credit: claim up to $3,000\ast \ast ofexpensesforonechildor\ast \ast$6,000 for two+; credit equals 20%–35% of eligible expenses based on your income (max credit $1,050\ast \ast or\ast \ast$2,100). Use IRS Form 2441. If your employer offers a Dependent Care FSA, you may exclude up to $5,000 pre‑tax (generally reduces how much you can claim for the credit). (irs.gov)
• Minnesota Child Tax Credit (separate from the child care credit): refundable $1,750perqualifyingchild\ast \ast (nolimitonthenumberofchildren),withphaseoutsstartingat\ast \ast$31,090 ($36,880 married filing jointly). Advance payments may be available. See MN Schedule M1C for details. (revenue.state.mn.us)

What to do if this doesn’t work

• Use free tax help (VITA) to make sure you’re getting everything you qualify for; ask 211 (2‑1‑1) to find a local VITA site. (211unitedway.org)

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Finding openings fast and choosing quality

• Parent Aware search + hotline 888‑291‑9811. Filter by your schedule, location, ages served, and rating. Staff can help you call programs and sort openings. (childcareawaremn.org)
• Wayfinder (for providers and communities) 888‑986‑8207: helps start and grow child care supply in your area—useful for rural communities or employers trying to add slots. (dcyf.mn.gov)
• Legal nonlicensed (family/friend/neighbor) routes are allowed when licensed care doesn’t fit your hours—follow the official steps and training. (dcyf.mn.gov)

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Application Checklist (print or screenshot)

• Photo ID and proof of Minnesota address.
• Last 30 days of income (pay stubs, benefit letters, child support received/paid).
• Work schedule OR school/training schedule.
• Child(ren)’s birth certificates or other proof of relationship/age.
• Any disability documentation (if applicable).
• For scholarships: proof of income at/under 85% SMI or proof of participation in SNAP/MFIP/Head Start. (dcyf.mn.gov)

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Common Mistakes to Avoid

• Waiting to apply until you have every document. Apply now; upload documents as you get them. Homeless families get 3 months to submit proofs. (revisor.mn.gov)
• Not asking to be added to the BSF wait list the same day. The agency must pre‑screen and record your date and priority. (revisor.mn.gov)
• Choosing a provider before confirming CCAP registration and rates. Confirm your provider is registered (or ready to register) and ask your county the current CCAP maximum rate for your child’s age and setting. (dcyf.mn.gov)
• Missing child support cooperation. If required and you don’t cooperate by the deadline, your application can be denied. The agency will give you the forms. (revisor.mn.gov)
• Assuming your hours must always be 20/week. The 20 hours/week rule applies to employed parents unless your approved plan says otherwise; job search time is limited to 40 hours per biweekly service period. (revisor.mn.gov)

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Diverse Communities: Practical notes and resources

• LGBTQ+ single mothers: Use Parent Aware’s phone specialists (888‑291‑9811) if you want help identifying affirming programs and hours; you can filter by schedule and program type and ask about inclusive practices. Scholarships and CCAP eligibility are gender‑neutral; what matters is income, activity, and child info. (childcareawaremn.org)
• Mothers with disabilities or raising a child with disabilities: CCAP can cover children up to age 14 with documented special needs; ask your worker about authorizing extra hours for therapies and travel time. (dcyf.mn.gov)
• Veteran single mothers: BSF wait lists give a priority to families with a veteran parent—make sure the agency flags your file correctly. Bring DD‑214 with your application. (revisor.mn.gov)
• Immigrant and refugee moms: Children with qualifying status (including U.S. citizens) can receive CCAP even if a parent’s status is different. You’ll still provide identity/residency and income proofs. Ask your county for interpreter services. (dcyf.mn.gov)
• Tribal citizens: Many Tribal Nations administer CCAP directly. Use the County & Tribal CCAP directory (phone numbers listed) to call your Tribal office (e.g., Red Lake Nation, White Earth Nation, Leech Lake). (mn.gov)
• Rural moms with few openings: Ask Parent Aware to help locate part‑time or mixed‑schedule options and consider registering a trusted family/friend caregiver as a legal nonlicensed provider (FFN) to get paid by CCAP. Call Wayfinder (888‑986‑8207) if your town wants to expand supply. (dcyf.mn.gov)
• Single fathers and kin caregivers: CCAP and scholarships are for eligible caregivers regardless of gender. As of Aug. 2024, foster parents and relative custodians may apply for CCAP if they meet standard rules. (content.govdelivery.com)
• Language access: Parent Aware and 211 offer multilingual help; MNbenefits is mobile‑friendly and supports Spanish with interpreter access for other languages through your county. (mn.gov, childcareawaremn.org)

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Local contacts and where to call

• Statewide CCAP Information: 651‑431‑3809 or dcyf.ccap@state.mn.us (program questions). Apply at MNbenefits. (dcyf.mn.gov)
• Hennepin County CCAP: 612‑348‑5937, copay schedules and provider info on the county site (wait list status varies). (hennepin.us)
• Ramsey County CCAP/Think Small: 651‑266‑2170 (Ramsey), Think Small 651‑641‑6665. (mn.gov)
• All other counties and Tribal Nations: use the County & Tribal CCAP directory (every phone number listed). (mn.gov)
• Parent Aware (find openings, ratings): 888‑291‑9811; search online. (childcareawaremn.org)
• Wayfinder (start/grow child care supply; community help): 888‑986‑8207. (dcyf.mn.gov)
• United Way 211 (any local help, 24/7): 2‑1‑1 or 800‑543‑7709. (211unitedway.org)

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Timelines, rules, and fine print (so you’re not surprised)

• Work requirement: average 20 hours/week at minimum wage if employed (exceptions for approved plans). Job search covered up to 40 hours per biweekly service period outside an employment plan. (revisor.mn.gov)
• Age and hours: CCAP authorizes care to cover your work/school hours + commuting (up to 2 hours/day); total hours generally capped at 120 hours per child per service period (with limited exceptions when changing providers). (revisor.mn.gov)
• Income at renewal: you can usually stay on up to 67% SMI if you still meet other rules. (revisor.mn.gov)
• Rates paid to providers: Minnesota sets CCAP maximums at the 75th percentile of the most recent market rate survey (first increased Oct. 30, 2023; updated again in 2025). Providers can’t charge CCAP families more than private‑pay for the same care, but you may still owe charges above the CCAP maximum and your copay. (revisor.mn.gov)
• Overpayments: If you get paid for more than you qualified for, you’ll owe a repayment. Set up a plan quickly to avoid termination. (revisor.mn.gov)

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Real‑world scenarios

• “I just lost my job.” You keep CCAP through your 12‑month eligibility period. Use job‑search hours (up to 40 per service period) and update your worker when you start a new job. (revisor.mn.gov)
• “I’m couch‑surfing with my kids.” Apply now. You can be approved fast with limited proof and have 3 months to finish verifications and start an activity. Ask about local emergency help via 2‑1‑1 while your case is pending. (revisor.mn.gov, 211unitedway.org)
• “No centers have infant openings near me.” Call Parent Aware and ask about rated family child care with infant spots. Consider registering a trusted family/friend caregiver as an LNL provider to bridge coverage. (dcyf.mn.gov)

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Frequently Asked Questions (Minnesota‑specific)

1. How long will my CCAP application take?

• Up to 30 business days. Some cases move faster. Homeless families get expedited handling and extra time to turn in proofs. (dcyf.mn.gov, revisor.mn.gov)

2. Do I have to be working full‑time?

• No. If you’re employed, you need to average 20 hours/week at minimum wage unless your approved plan allows fewer. School/training and limited job search hours also count. (revisor.mn.gov)

3. Will I owe a monthly payment?

• Most families pay a copay based on the state schedule. Check the DHS‑6413M copay table; your worker will give your exact amount. (dhs.state.mn.us)

4. My county says there’s a wait list. What next?

• Make sure they pre‑screen you and add you the same day, with your priority group noted. Ask how often they purge the list and how to keep your spot active. (revisor.mn.gov)

5. Can CCAP pay my mom to watch my child?

• Possibly, if she registers as a legal nonlicensed provider and meets requirements (CPR/First Aid, background check, annual monitoring if caring for an unrelated child). (dcyf.mn.gov)

6. How old can my child be?

• Under 13, or up to 14 with a disability. (dcyf.mn.gov)

7. What if I move to another county?

• Tell your worker right away; there are rules that let you keep assistance while you move and authorize care with a new provider (you may see short‑term adjustments during the switch). Check on portability/priority if you were on a BSF wait list. (revisor.mn.gov)

8. Do I have to cooperate with child support?

• Yes, unless you qualify for a good‑cause exception. Not cooperating can lead to denial or closure. Your agency will provide the forms. (revisor.mn.gov)

9. How much does the state actually pay my provider?

• It depends on your county, the child’s age, provider type, and Parent Aware rating. Minnesota’s maximums are tied to the 75th percentile of the latest market rate survey (updated 2025). Ask your worker for the current “maximum rate” for your exact situation. (revisor.mn.gov)

10. Besides CCAP, what else can lower my costs right now?

• Early Learning Scholarships (0–4), Head Start/Early Head Start (free pre‑K for eligible families), the PCPG student‑parent grant (up to $6,500/child/yr\ast \ast ),federalchildcaretaxcredit(upto\ast \ast$1,050 or $2,100\ast \ast ),andMinnesota’s\ast \ast$1,750 per child Child Tax Credit. Use 2‑1‑1 to find local help. (dcyf.mn.gov, acf.hhs.gov, ohe.state.mn.us, irs.gov, revenue.state.mn.us)

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Tables you can use

A) CCAP Entrance Income Limits (47% SMI)

Full table and updates: DCYF CCAP eligibility. (dcyf.mn.gov)

B) Early Learning Scholarships Income Guide (2025)

Full table and application: Early Learning Scholarships. (dcyf.mn.gov)

C) Typical Weekly Child Care Prices in Minnesota (for context)

Source: Child Care Aware of Minnesota (April 2024). (childcareawaremn.org)

D) Statewide Contacts (save these)

E) Head Start 2025 Federal Poverty Guidelines (selected)

Full table: U.S. HHS/ASPE. Head Start prioritizes families at/under these amounts and also enrolls foster, homeless, and public‑assistance families regardless of income. (aspe.hhs.gov, acf.hhs.gov)

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Plan B options by situation

• Can’t find a slot: Ask Parent Aware to search beyond your zip code and for split schedules (two providers). Consider an FFN caregiver who registers as LNL to start quickly. (dcyf.mn.gov)
• Wait list is long: Make sure you’re coded in the highest eligible priority. Meanwhile, apply for Early Learning Scholarships (0–4), Head Start, and ask 2‑1‑1 about short‑term help. (revisor.mn.gov, 211unitedway.org)
• Night/weekend shifts: Licensed care can be scarce. Ask your provider and county about authorizing a registered LNL caregiver for your off‑hours. (dcyf.mn.gov)

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About This Guide

Compiled by the ASingleMother.org Editorial Team

This guide uses official sources from the Minnesota Department of Children, Youth, and Families (DCYF), Minnesota Department of Human Services (DHS) rules/statutes, Minnesota Department of Education/DCYF for Early Learning Scholarships, the U.S. Department of Health & Human Services/ASPE, the IRS, and established nonprofits (Child Care Aware of Minnesota, United Way 211). We follow our Editorial Standards and link directly to government or established nonprofit sources for every rule, number, and deadline. Last verified September 2025, next review April 2026. Email info@asinglemother.org with corrections; we respond within 48 hours.

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Disclaimer

Program rules, income limits, copays, and payment rates change. Always confirm the latest details with your county/Tribal CCAP office, DCYF, or the official program websites linked above before making decisions. This guide is informational and is not legal advice or a guarantee of benefits.

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Learn more:

1. MNbenefits
2. Apply for benefits | Minnesota Department of Children, Youth, and Families
3. Ch. 119B MN Statutes
4. Contacts for county and tribal offices and contracted agency / Minnesota Department of Human Services
5. Parent Aware Star Ratings – Child Care Aware MN
6. Home – United Way 211
7. Early Learning Scholarships | Minnesota Department of Children, Youth, and Families
8. Early Learning Scholarships Program
9. Postsecondary Child Care Grant
10. Army Fee Assistance – Child Care Aware® of America
11. 3400 – MN Rules Chapter
12. 3400.0040 – MN Rules Part
13. 3400 – MN Rules Chapter
14. Child Care Assistance Program | Minnesota Department of Children, Youth, and Families
15. 3400.0170 – MN Rules Part
16. 3400.0100 – MN Rules Part
17. https://www.dhs.state.mn.us/main/idcplgf/?IdcService=GET_DYNAMIC_CONVERSION&RevisionSelectionMethod=LatestReleased&dDocName=CCAP_092403
18. Sec. 119B.13 MN Statutes
19. 2023 Child Care Assistance Program Legislative Summary
20. Cost of Care – Child Care Aware MN
21. 3400.0065 – MN Rules Part
22. Child care assistance | Hennepin County
23. Sec. 119B.03 MN Statutes
24. Become a Registered Legal Nonlicensed Provider | Minnesota Department of Children, Youth, and Families
25. 3400.0120 – MN Rules Part
26. Poverty Guidelines | ASPE
27. Apply for Services | The Administration for Children and Families
28. Postsecondary Child Care Grant Program Resources | MN Office of Higher Education
29. OHE Awards $5.3M in 2024 Student Parent Support Initiative Grants | MN Office of Higher Education
30. Publication 503 (2024), Child and Dependent Care Expenses | Internal Revenue Service
31. Child Tax Credit | Minnesota Department of Revenue
32. Child Care Wayfinder | Minnesota Department of Children, Youth, and Families
33. Child Care Assistance Program Information for Child Care Providers | Minnesota Department of Children, Youth, and Families
34. Child Safety and Permanency Update: Permanency Support Issue for July
35. MNbenefits / Minnesota Department of Human Services
36. Child care assistance | Hennepin County
37. 3400.0110 – MN Rules Part

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