If you do not opt out then you get half the CTC before the end of 2021 and the other half on your 2021 tax return. The amount of the credit is the same; it is just a matter of WHEN you receive it.
https://www.irs.gov/credits-deductions/advance-child-tax-credit-payments-in-2021
https://www.irs.gov/credits-deductions/2021-child-tax-credit-and-advance-child-tax-credit-payments-t...
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