I personally wouldn't ever go with an agency. I have been a parent (non subsidy) through an agency and resented having the pay the additional money when I felt they did very little for my provider. There was a TON of problems with that agency. Not sure if all agencies are like that but it left such a sour taste in my mouth that I didn't want to be an agency provider when I made the decision to open. There are lots of people in my area not requiring subsidy so getting clients wasn't an issue.
Plus some of the agencies in my area have odd rules. The most recent I've heard about is a no TV rule. And not that you can't have TV running during the day, but that there is to be no TV's in the house at all. :blink: I also have a friend here locally that was through an agency. The agency set the fees and hiked fees by close to $100 per month but didn't pass any of that raise on to providers. In fact they didn't even tell providers, my friend found out through an upset parent. Those providers made than $500 per month for FT children, the lowest paid in the city for agency.
I do this partly because I enjoy setting me own rules and parameters, why let someone else govern you? That being said you need to do what's best for you. I would go into a meeting with a list of requirements yourself.
ie: Do they let you set your own fees or are they preset by the agency? How many client referrals is average in your area - they need to help you stay full. Will the agency provide or help you enroll in any schooling to become certified? Also ask for a list of rules and policies so you can review them and decide you agree PRIOR to making any agreement or decision. Make sure that the agency will be helping (not hindering) you and that you can feel 100% comfortable adhering to thier regulations.