Amid rising costs for childcare, families are racking up credit card debt to pay. (Illustration composite by Sabrina Sanchez/LAist / Images via Canva)Genny Richard constantly thinks about her family’s finances.“The stress level has been immense,” she said. “Because childcare is our largest expense, that's been a big part of the reason.”Her 5-year-old son is in his third year at a full-time Montessori school in Irvine. It costs her family $2,020 a month — more than their rent. They don’t have family nearby to help with childcare.“We definitely had to start severely restricting our budget because of that cost,” Richard said. “We hardly eat out … we are part of a community garden, so we grow whatever vegetables we can on our own. … We only have one car.”They’re also staying put in their two-bedroom apartment, which is offered through UC Irvine, as they expand their family; Richard is due next month. “We’re probably in a smaller apartment than we actually need, especially with a baby on th