Affordability is a key barrier of high quality care. Most Southern Indiana children age birth to five, with all parents working, are not enrolled in high quality care. While some very low income families are able to access vouchers, many who qualify remain on wait lists. In addition, many families earn too much to qualify for vouchers, but do not earn enough to be able to pay for high quality care without spending more than 10% of their income on child care. Many families spend a larger share of income on child care and still are not receiving high quality care. (author abstract)