If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


Babysitter Costs – How Much Should You Really Pay?

We all know that raising a child is very expensive, but do you just how costly it is? For a middle-income family to raise a child born in 2015 through the age of 17, the cost of rearing a child has hit $233,610, according to a report by Time.com. With the increasing cost of raising a child a lot of parents opt to work more! This results in having to incur babysitter costs. With these kinds of additional costs, it becomes even more difficult to work on debt management.

If you're actively paying off debt, it's important to research babysitter costs.

If you’re actively paying off debt, it’s important to research babysitter costs.

Babysitter Costs – How Much to Really Pay?

Despite the circumstances that require you to need the service, babysitter costs do not have a standard rate. There are many factors including location, number of children, and years of experience to consider to determine the cost. You want to be sure you are offering a competitive rate, but you also don’t want to overpay. For instance, a night out is expensive enough and you don’t want to spend money you could be putting toward getting out of debt.

Use this guide to help you determine how much to pay a babysitter for any situation.

  • First, consider your location and research the going rate in your area. The average hourly babysitting rate has climbed to $16.43 for one child, according to UrbanSitter’s 2018 child care survey of more than 20,000 families across the country. That’s an 8% increase from last year’s average of $15.20 an hour for a single child. And parents are now handing over $18.86 per hour to sitters to watch two kids, and $20.56 per hour to handle three.
  • Consider how many kids you have. Care.com suggests that you should expect to pay more per hour for each additional child.
  • You should also take into account how old the babysitter is and how many years of experience they have. The more experience (or certifications) a babysitter has, the more they can charge. You can find a lot of college students doing babysitter jobs as a side hustle for extra income. While they may come cheap, make sure they are experienced enough to handle your kids!
  •  Don’t forget to factor in the types of activities the babysitter will be responsible for. Will the babysitter need to drive the kids to and from school or lessons and practices? Does the babysitter double as a tutor? Will they need to cook meals or do any housekeeping? If so, they should be paid more.
  •  What time of day or year will you need a babysitter? If the kids will already be asleep when the sitter arrives, you may be able to pay less than the sitter’s usual rate. If you plan to hire a sitter for Valentine’s Day or New Year’s Eve, you may need to pay more than the sitter’s usual rate.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today.



Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

View all author posts →


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/babysitter-costs-how-much-should-you-really-pay
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=babysitter-costs-how-much-should-you-really-pay
Loaded Template: single.php