• Home
  • About Us
  • Getting Finances Done
    • Hiring Advisors
    • Debt Management
    • Spending Plan
  • Insurance
    • Life Insurance
    • Health Insurance
    • Disability Insurance
    • Homeowners/Renters Insurance
  • Contact Us
  • Our Editorial Commitment

The Free Financial Advisor

You are here: Home / Archives for adoption

HHS Plans Up to $1 Million Award to Expand Free Training for Foster, Adoptive and Kinship Families

September 3, 2026 by Amanda Blankenship Leave a Comment

foster parent training
HHS plans to award up to $1 million to continue expanding the National Training and Development Curriculum, a free program designed to prepare and support foster, adoptive and kinship caregivers. PeopleImages/Shutterstock

The federal government plans to award up to $1 million to continue expanding a free national training program designed to help foster, adoptive and kinship caregivers prepare for the challenges of caring for children who have experienced trauma, separation and loss. The U.S. Department of Health and Human Services, through the Administration for Children and Families and Children’s Bureau, announced its intent to make a single-source cooperative agreement of up to $1 million to Spaulding for Children in Southfield, Michigan.

The proposed funding period will run from September 30, 2026, through September 29, 2027, according to a Federal Register notice published September 2. The money will support continued implementation and expansion of the National Training and Development Curriculum for Foster/Adoptive Parents, commonly known as NTDC.

What Is the National Training and Development Curriculum?

NTDC is a free, trauma-informed training curriculum that child welfare and adoption agencies can incorporate into preparation and ongoing education for foster, adoptive and kinship families.

The curriculum was developed with federal funding through a five-year cooperative agreement led by Spaulding for Children beginning in 2017. Its development incorporated research as well as input from experts, families with fostering and adoption experience, and former foster and adoptive youth. The program includes self-assessment, classroom-based training and what NTDC calls “Right-Time Training,” which gives caregivers access to additional educational resources when particular challenges arise.

The classroom portion currently includes 19 training themes totaling approximately 28 hours. Training topics are designed to help families better understand issues that can arise when parenting children who have experienced trauma, separation or loss while developing skills that can support children’s healthy development and family stability.

Why HHS Is Planning a Single-Source Award

The planned cooperative agreement differs from a typical competitive federal grant because HHS intends to award the funding directly to Spaulding for Children. According to the Federal Register notice, HHS determined that Spaulding is uniquely positioned to continue the work because the organization developed NTDC under the original Children’s Bureau cooperative agreement and owns and manages the curriculum.

Spaulding also hosts the NTDC materials and has experience helping child welfare systems implement the program.

Although the curriculum and resources were made publicly available at the end of the original project, HHS says agencies continue to need assistance implementing the training effectively. The new funding is intended to provide that support while allowing more states, tribes, territories and agencies to use NTDC.

The Training Is Free for Agencies and Families

One notable feature of NTDC is that the curriculum itself is available at no cost. Public and private child welfare and adoption agencies can access the materials without purchasing a commercial training program, and families can also access free online Right-Time Training courses.

Those courses can be completed using a phone, tablet, laptop or desktop computer and include videos, podcasts, activities and quizzes. Topics are designed to provide caregivers with information when they encounter particular situations or need additional support. The curriculum was originally piloted across several child welfare systems, including state, county, territorial and tribal sites, as well as a private agency serving families pursuing private domestic or intercountry adoption.

NTDC materials can also be adapted by agencies to address local training requirements and needs.

Why Caregiver Training Matters

Becoming a foster, adoptive or kinship caregiver can involve challenges that extend far beyond ordinary parenting preparation. Children entering foster care or joining adoptive families may have experienced trauma, loss, disrupted attachments or multiple changes in caregivers. Families may need specialized knowledge to understand behaviors, maintain children’s important connections and respond appropriately when challenges emerge.

HHS says effective and relevant training is critical for both prospective and current foster, adoptive and kinship caregivers. The federal agency also views caregiver preparation as part of developing and maintaining resource homes and supporting more stable placements for children.

Rather than creating a new training program, the proposed $1 million award is intended to keep an existing federally funded curriculum available while helping additional child welfare systems put it into practice.

Funding Could Continue Through September 2027

If the cooperative agreement proceeds as announced, Spaulding for Children could receive up to $1 million for work performed between September 30, 2026, and September 29, 2027. The funding is authorized through the federal Adoption Opportunities Program.

For foster, adoptive and kinship families, the immediate takeaway is that NTDC resources remain available free of charge. Families interested in the program can access its online training resources, while agencies can use the curriculum as part of their own caregiver preparation and continuing-education programs.

The new federal funding is primarily aimed at expanding implementation and providing the support agencies need to use those resources effectively, potentially bringing the curriculum to more caregivers and child welfare systems around the country.

What to Read Next

SEC Proposes Opening U.S. Futures Trading to European Union Debt

7 Refund Payments Consumers Could Receive From the FTC Right Now

You Paid the Credit Card Minimum on Time. So Why Is Your Balance Barely Moving?

Headshot of Amanda Blankenship
Amanda Blankenship

Amanda Blankenship is the Chief Editor for District Media.  With a BA in journalism from Wingate University, she frequently writes for a handful of websites and loves to share her own personal finance story with others. When she isn’t typing away at her desk, she enjoys spending time with her daughter, son, husband, and dog. During her free time, you’re likely to find her with her nose in a book, hiking, or playing RPG video games.

Filed Under: news Tagged With: ACF, adoption, Adoptive Parents, Child Welfare, Children's Bureau, Family Resources, federal grants, Foster Care, Foster Parents, HHS, Kinship Care, NTDC, parenting, Spaulding for Children

Tax Breakthrough: 6 Little-Known Credits Still Available This Year

January 3, 2026 by Brandon Marcus Leave a Comment

Tax Breakthrough: 6 Little-Known Credits Still Available This Year
Image Source: Shutterstock.com

Tax season doesn’t have to feel like a slog through paperwork and headaches. In fact, it can be downright thrilling if you know where to look. While most taxpayers chase the usual deductions, a treasure trove of little-known credits quietly waits to boost your refund—or shrink your bill.

These hidden gems could save you hundreds, even thousands, if you’re savvy enough to claim them. Buckle up, because we’re diving into six tax credits that might just make this your happiest filing season yet.

1. The Saver’s Credit That Rewards Retirement Contributions

Many Americans overlook the Saver’s Credit, which gives eligible taxpayers a dollar-for-dollar reduction for contributions to retirement accounts. If you’ve been diligently feeding a 401(k) or IRA, this credit could be a delightful bonus. It’s especially helpful for lower- to moderate-income filers, who can see up to $1,000 (or $2,000 if married) deducted right off their taxes. Unlike deductions that only reduce taxable income, this credit directly reduces the amount you owe. Don’t let your diligent saving go unrewarded—this one is worth a careful look.

2. The Residential Energy Efficient Property Credit

Going green might save the planet and your wallet. The Residential Energy Efficient Property Credit rewards homeowners who install solar panels, solar water heaters, or certain wind and geothermal systems. Depending on the year and technology, it can cover a substantial portion of installation costs. What’s more, this credit is non-refundable, meaning it can significantly lower your tax bill without you needing to wait for a refund. If you’ve been considering energy upgrades, this credit is a golden incentive.

3. The Adoption Credit For Growing Families

Adopting a child comes with emotional rewards, but the financial side can be daunting. Enter the Adoption Credit, designed to ease adoption-related expenses such as agency fees, court costs, and travel. For 2026, families can claim up to tens of thousands of dollars per child, depending on expenses. It’s non-refundable, but it can carry forward for five years if your credit exceeds your tax liability. This credit ensures that welcoming a child into your home doesn’t drain your wallet as much as it might otherwise.

4. The Child And Dependent Care Credit

Daycare isn’t cheap, but the Child and Dependent Care Credit can turn part of that cost into a tax-saving opportunity. It applies to children under 13 or other dependents who need care while you work or look for work. The credit can cover a significant percentage of expenses, with higher benefits for lower-income households. Recent updates have increased the maximum credit and expanded eligibility, making it more accessible than ever. Parents juggling work and care now have a legitimate financial lifeline during tax season.

5. The Lifetime Learning Credit For Continuing Education

Education isn’t just for kids—it can be a strategic tax tool for adults, too. The Lifetime Learning Credit allows taxpayers to deduct up to $2,000 for qualified tuition and related expenses per year. Unlike the American Opportunity Credit, this one has no limit on the number of years you can claim it. Courses don’t have to be part of a degree program, opening doors for professional certifications and skill upgrades. For anyone looking to advance their career while easing tax burdens, this credit is a hidden gem.

6. The Earned Income Tax Credit For Low-To-Moderate Earners

The Earned Income Tax Credit (EITC) is one of the most powerful tools for boosting refunds, yet it often flies under the radar. Available to low- and moderate-income workers, the EITC amount varies based on income, filing status, and number of qualifying children. Eligible filers can receive thousands of dollars, sometimes more than they paid in federal taxes during the year. Many miss this credit simply because they assume it’s too complicated to claim. Don’t overlook it—this is a serious opportunity for a financial boost.

Tax Breakthrough: 6 Little-Known Credits Still Available This Year
Image Source: Shutterstock.com

Your Thoughts On These Hidden Credits

Tax credits like these are proof that careful planning can transform tax season from a chore into a strategic win. With proper research, anyone can uncover benefits that might otherwise go unclaimed.

Which of these credits have you taken advantage of, or which ones are you considering this year? Drop your experiences and insights in the comments section below so other readers can learn from your story.

You May Also Like…

Income Threshold: 4 Hidden Taxes That Hit Once You Cross Certain Limits

9 Georgia Counties Where Property Taxes Are Set to Rise the Fastest

6 Advanced Techniques to Lower Your Capital Gains Taxes Legally

9 Financial Dangers of Ignoring Property Taxes

Risk Proaction: 5 Steps to Stress-Test Your Finances for Worst-Case Scenarios

 

Brandon Marcus
Brandon Marcus

Brandon Marcus is a writer who has been sharing the written word since a very young age. His interests include sports, history, pop culture, and so much more. When he isn’t writing, he spends his time jogging, drinking coffee, or attempting to read a long book he may never complete.

Filed Under: tax tips Tagged With: adoption, children., dependents, Earned Income Tax Credit, filing taxes, retirement account, retirement contributions, retirement savings, Tax, tax credits, tax season, taxes

Follow Us

Search this site:

Recent Posts

  • Can My Savings Account Affect My Financial Aid? by Tamila McDonald
  • 12 Ways Gen X’s Views Clash with Millennials… by Tamila McDonald
  • What Advantages and Disadvantages Are There To… by Jacob Sensiba
  • Call 911: Go To the Emergency Room Immediately If… by Stephen Kanaval
  • 7 Weird Things You Can Sell Online by Tamila McDonald
  • 10 Scary Facts About DriveTime by Tamila McDonald
  • How to Avoid NJ Exit Tax by Jacob Sensiba

Copyright © 2026 · News Pro Theme on Genesis Framework