Thinking back there have been many I should have terminated but hung in there.
They either aged out or I was magically full when they wanted to return during the summer, had another sibling, etc. I had 2 dcfs that I did terminate; their kids used horrible vulgar language but in both cases that was kind of the straw that broke the camel's back. There are lots of ways to deal with late payments, dcps not following rules, etc. but when their kids call me an effin bit@h on top of it all, that's when I say come get them, take 'em home and don't come back.