I’m not knowledgeable on that. But has she considered other types of employment? Does she HAVE to keep teaching? I would say for them to sit down and do the following:
1. Look at every possible way they can cut back (cheaper insurance, cell phone plan, cheaper sattelite/ditch satellite, less eating out, sell a fancier car and get a smaller one etc…)
2. Figure out what the minimum is they need to live on, allowing for sinking funds, education & retirement savings etc… Also, figure out what the cost would be if she wasn’t working, or had a small enough income that DH was able to claim her as a dependent. Often you end up with a larger tax return, increased monthly child benefits etc… Her husband could also look at adjusting his tax withholdings from his pay check, to create more monthly income.
3. If she carries the health plan, then that is a bit trickier, but can her husband get coverage where he is?
Then, find a job to meet that. There are many legit at-home telemarketing jobs, which maybe not enjoyable, allow flexible work hours and offer health benefits depending on how many hours you work.
Waitressing can also be a good source of income, because the gravy is in the tips. Also, again you can work flexible hours, perhaps working a couple evenings a week plus a day on the weekend. I know here, waitressing at a restaurant just 15-18 hours a week, can easily bring in $1000 a month, and that’s using a fairly modest estimate for nightly tips.