Child Support Arrears Calculator

Understanding Child Support Arrears

Child support arrears (also called "back child support") accumulate when a parent fails to make court-ordered child support payments on time. Unlike many other debts, child support arrears cannot be discharged through bankruptcy and continue to accrue interest in most states. The consequences of unpaid child support are severe and can include wage garnishment of up to 65% of disposable income, seizure of tax refunds, suspension of driver's and professional licenses, passport denial, credit reporting, bank account levies, and even imprisonment for contempt of court.

According to the Office of Child Support Enforcement (OCSE), more than $114 billion in child support arrears is owed nationwide. While this figure is substantial, it is important to understand that a significant portion of these arrears is owed by parents with limited ability to pay. Studies show that roughly 70% of child support debt is owed by parents earning less than $10,000 per year or with no reported income.

How to Address Arrears

• Contact the child support agency: Many states offer formal arrears management programs with negotiated payment plans.
• Petition for a payment plan: Courts generally prefer a structured repayment plan over punitive enforcement measures.
• Request a modification: If your income has decreased, file for a modification of the current support order. While this will not reduce past arrears, it can prevent additional arrears from accumulating.
• Make consistent partial payments: Even if you cannot pay the full amount, consistent partial payments demonstrate good faith and may influence court decisions.
• Seek legal assistance: Legal aid organizations and pro bono attorneys can help navigate arrears situations.

Related Calculators

• Child Support Calculator — Estimate current support obligations
• Child Support Modification Calculator — See if you qualify for a change
• Single Parent Budget Calculator — Build a budget that includes arrears payments