How to Get Rid of Child Support Interest

How to Get Rid of Child Support Interest

Child support is a financial obligation that a noncustodial parent is required to pay to the custodial parent to support their child’s financial needs. However, if child support payments are not made on time, interest may accrue on the outstanding balance. This interest can quickly add up and become a burden for the noncustodial parent. If you find yourself in this situation, there are steps you can take to get rid of child support interest.

1. Pay off the outstanding balance: The most effective way to get rid of child support interest is to pay off the outstanding balance in full. Contact your local child support enforcement agency to determine the exact amount owed and make arrangements for payment.

2. Negotiate with the custodial parent: If you’re unable to pay off the entire balance at once, you can try negotiating with the custodial parent to waive or reduce the interest. Explain your financial situation and propose a payment plan that is feasible for you.

3. Seek legal assistance: If negotiations with the custodial parent are unsuccessful, consider seeking legal assistance. An attorney specializing in family law can help you navigate the legal system and explore options to reduce or eliminate the interest.

4. File for a modification: If your financial circumstances have changed significantly since the child support order was established, you may be eligible for a modification. File a petition with the court to request a decrease in child support payments, which could also help reduce the interest.

5. Make regular payments: To avoid further accumulation of child support interest, make regular and timely payments. Set up automatic deductions from your paycheck or establish a consistent payment schedule to stay on track.

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6. Keep detailed records: Maintain accurate records of all child support payments made, including dates, amounts, and methods of payment. This documentation will be crucial if any disputes arise regarding interest calculations.

7. Communicate with the child support agency: Stay in regular communication with the child support agency handling your case. Inform them of any changes in your financial situation or employment status to ensure accurate calculations and avoid unnecessary interest charges.


1. Can child support interest be waived?
Yes, child support interest can be waived or reduced through negotiations with the custodial parent or with the help of legal assistance.

2. What is the interest rate for child support?
The interest rate for child support varies by state, but it is typically around 6-10%.

3. Can child support interest be forgiven?
In some cases, child support interest may be forgiven if the noncustodial parent can demonstrate financial hardship or other extenuating circumstances.

4. Does child support interest accrue during incarceration?
Child support interest may continue to accrue during a noncustodial parent’s incarceration, depending on state laws.

5. Can child support interest be discharged in bankruptcy?
Child support interest cannot be discharged in bankruptcy. It is considered a priority debt and must be paid.

6. How can I avoid child support interest in the future?
To avoid child support interest, make regular and timely payments, communicate with the child support agency, and promptly address any changes in your financial situation.

7. Can child support interest be retroactively modified?
Child support interest is generally not retroactively modified. However, you can seek a modification of the child support order itself to prevent further interest from accumulating.

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In conclusion, getting rid of child support interest requires proactive communication, negotiation, and timely payments. It is essential to understand your rights, seek legal assistance if needed, and maintain accurate records to navigate the child support system effectively. By taking the necessary steps, you can alleviate the burden of child support interest and ensure financial stability for yourself and your child.