[Saving in So Cal]

Aside from the moral implications, I doubt an annulment/divorce will solve, or even help, your particular problem. The state will most likely come after you for child support as well as reimbursement for whatever assistance it provides to your family.

My per child cost for daycare is roughly double what you quoted, which is the going rate where I live. I use the dependent care account suggested by another poster because I don't qualify for any other, better tax break. The account saves me roughly $1,500 a year.

In addition, where I live, many of the community colleges and churches offer top quality daycare to low and moderate income families on a sliding scale fee. Your county/township probably has an agency that provides information about these programs.

Finally, I have known many working families who have qualified for WIC services and state-covered health insurance for their children. Even if you do not qualify for more general assistance, you may qualify for these benefits. There is nothing lost by making an inquiry.