For many families, summer break brings thoughts of vacations, camps, and extra time together. But for parents raising children with disabilities, the season can create overwhelming financial pressure that lasts for months. When school ends, many support systems disappear overnight, leaving parents scrambling to replace therapies, childcare, transportation, and structured routines. Families often face rising expenses while also losing income because one parent may need to reduce work hours or leave a job entirely. Across the country, parents say the financial strain of caring for special needs children during summer has quietly become one of the hardest parts of the year.