re: Is anywhere still offering low interest (3.5%) COVID personal loans?

not sure if you've considered other childcare options or if that's even a possibility where you live but church daycares tend to cost less than regular daycare centers. Also, once you have more than one child, a nanny or au pair becomes more financially feasible. Once we had our second, it cost the same to have a nanny come to the house every day as to have them in daycare, but there was a significant time savings in not having to get them up and ready then transport to the daycare. With the third child, it was much cheaper to go the nanny route. Also, the daycare wouldn't allow drop offs for sick children but a nanny will (usually) still care for your sick child while you work.