Those child tax credits start going out today. If your family qualifies, you can get up to 300 bucks per kid, every month until the end of the year. But the money isn’t free, it’s actually an advance on your tax return, which means you might have to pay it back in 2021. It’s too late to cancel the first check, but you’ve still got three weeks to bail out on the rest of the payments. (Once you do you can’t opt back in).