NEW YORK - Help for families struggling to pay for child care may be coming in the form of a pilot program.

Neighborhood Trust Federal Credit Union is working with the city on the Child Care Loan Initiative, which will offer 6 percent loans of up to $11,000 for parents with kids between the ages of 2 and 4.

Applicants must have an income between $80,000 and $200,000 and a credit score of at least 620. They must also attend a free financial counseling session.

The city will be choosing 40 families throughout the five boroughs for this pilot program.

Officials told News 12 that all residents have to do to apply is call 311 and ask for the child care loan initiative. From there, prospective applicants will be able to talk to a financial consultant.