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Our childcare costs per day after rebate are about $93 for two kids. The cost for a centre in their suburb seems to be about $122 per day before rebate. So $122 X 2 kids X 5 days X 50 weeks = $61k less $15k rebate = $46k per annum or $3833 per month. Maybe they go to a more expensive...

It's madness but its not uncommon. Whatever about the way they built up the loans, they have them now. So if of their $12.5k per month $7.5k is gone on loan repayments and childcare, and a further $2.5k on rent, then I am not surprised that they feel broke. The problem is that they are just...