Low Income Families - Top 25 Government Programs!
How to apply and get financial assistance through government grants for single mothers, medical bills, cancer patients,emergency cash and veterans?
At one point, I was literally running pillars to post to seek some sort of financial assistance. In my pursuit to improve my financial health, I came across numerous financial assistance programs that are worth a shot by cash deprived single mothers, cancer patients, veterans and those looking to clear their medical bills or seeking help to deal with their financial emergencies.
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Financial assistance for single mothers - Free Programs
A lot has to be taken care of in bringing up the family and support the children which includes the welfare of the child as well as managing with one’s own education. Moreover, it is really tough to lead a life alone after separating from the spouse. Government help is available in the form of public assistance and general assistance.
However, in the recent times the government provides with financial assistance to cope up with all the expenditures for the single mothers. As such a number of websites have come up with the idea of providing financial assistance for single mothers. However it is advisable not to depend on the grants solely but also take up some part time job.
Financial assistance programsHere is a comprehensive list of many of the financial programs available by the government for you -
a) Low Income Home Energy Assistance Program - Provides money to low income homeowners and renters to help pay heating costs. Read More...
b) Weatherization Assistance Program - This is to support energy related repairs for low income homeowners and renters.Read More...
c) Special Milk Program - Provides milk to children in schools, childcare institutions, and eligible camps that do not participate in other Federal child nutrition meal service programs.
d) Food Assistance Program - The Food Assistance program is intended to promote the general welfare of low income families by raising their levels of nutrition to avoid hunger and malnutrition.
e) Senior Companion Program - This program is for persons 60 and older, particularly those with limited incomes, in volunteer service to meet critical community needs and to provide a high quality experience that will enrich the lives of the volunteers. Also known as Foster Grandparent Program.
d) CHIP program - This program provides medical services to eligible children under the age of 19 who do not have health insurance and do not qualify for Medicaid. Services provided under the CHIP program include: sick visits; well child exams; prescriptions; dental; hospital care; emergency room visits; urgent care visits; eye exams, and related services. Read More...
f) Food Stamp Program - Also now known as the SNAP program, this program is designed to help end hunger for households with low income. Read More...
g) Temporary Assistance Program - This program is for Temporary cash assistance and supportive services to children, individuals, and their families. It is also known as TANF. Read More...
h) Medicaid program - This is a program that pays for covered medical and health care costs of people. Read More...
i) MicroLoan program - This is a program that pays and provides very small loans to start-up, newly established, or growing small business concerns usually upto $35000.
j) Medicare Program - This is a Federal health insurance program for people 65 years of age or older, under 65 with certain disabilities. Read More...
k) Homeless Veterans Program - VA offers the following special programs to help homeless veterans based based on Post-Traumatic Stress Disorder, Substance abuse issues or Homeless grant program.
l) Street Outreach program - This provides outreach services designed to build relationships between outreach workers and street youth.
More information about some of these programs can be found here - public assistance programs
Financial assistance for education and housing assistance
Education Assistance - The federal government offers financial help for single mothers but the eligibility depends upon if the mother is below a certain financial bracket. For those single mothers who wish to continue with their higher education can avail the facility of the Federal Pell Grant Program. Those single mothers either undergraduates or postgraduates who come from low-income families can apply for these. However, the government may also financial assistance or grant this on the basis of the total family income and the size of the family. The cost of the tuition fees and the enrolment status of the candidate would also be considered. The grant is provided to the institution where the single parent wishes to study. This amount is credited into the account of the student or a cheque is issued once every semester.
The second program is the JRF Scholarship Program which grants scholarships to 500 women every year. The scholarships are provided to the women irrespective of colour, creed and marital status. But, in order to apply for this program the single mother should be a US citizen, 35 years old and belong to a low income family. Read more...
Housing Grants - Apart from these there are around 900 different types of government grants and financial aids available for single mothers. One does not have to repay these grants. Another prominent one is the the housing grant for single mothers by the Public Housing Agencies (PHA). In these, the mothers are provided with a PHA subsidiary. The subsidiary is supposed to be paid to the landlords while the difference only has to be borne by the mother. Read more...
Housing assistance is available for single mothers including section 8 housing from Hud.gov. Step by step housing help for single moms can be obtained at - Housing assistance for single mothers.
Financial assistance for raising children - Childcare assistance
It is easy to avail Childcare assistance grants after proving that the single mother requires financial support for raising the child.
1) The single mothers can apply for such grants by obtaining an application form from the local or nearest City Hall.
2) Another place to look for help is WIC - Special Supplemental Nutrition Program for Women, Infants and Children to help low income women and children by providing diet supplements and food.
3) Another place to look for local help is by dialling 211 on the phones to get local help or goto 211.org.
4) Another program available by federal government is Temporary Assistance for Needy Families (TANF) program. This program is available at the Department of Social Services in your city.
Care must be taken to fill these forms since these are supposed to be filled honestly and clearly since the verification of the information provided by the parent is also done. Thus the approval of the financial aid application would depend on this. It is necessary to meet the eligibility criteria which are that the single mother should be divorced or the other significant parent is already dead, seriously injured, disabled or handicapped. Read more...
Financial assistance for medical bills
From personal experience, I know for sure that dealing with a pile of medical bills can prove to be a horrifying task. Fortunately, I was able to seek government grants for medical bills to stay out of medical debt. Although availing financial assistance for medical bills can prove to be a long and tedious process, it's worth the hassle in my opinion. Today, not many people out there are aware of the fact that the government allocates billions of dollars towards grants for medical, dental, prescription drugs, psychiatric treatments and drug rehabilitation as well. You will have to download an application from the Federal Government's official website to get started - http://www.usa.gov/Citizen/Topics/Benefits.shtml
Financial assistance for cancer patients
I am sure most of you would agree to the fact that cancer is a ruthless disease and it is important to get Financial assistance for cancer patients. Apart from physical and mental trauma, the disease can give rise to financial issues. It can pose huge financial burden on both the patients and their near and dear ones. However, all hope is not lost. Through my research, I found out that there are numerous financial assistance programs for cancer patients. The financial assistance programs for cancer patients are mainly sponsored by the government or nonprofit organizations. Such programs are ideal for those who don't have health insurance coverage to cover health care costs. Cancer patients can also have a word with their doctors or medical social worker to explore more options.
A nonprofit organization by the name of Cancer Care provides financial assistance to patients suffering from cancer. Cancer Care provides special offerings to underprivileged people and to women belonging to low income earning families. Cancer patients can seek financial assistance through Hill-Burton program as well. It's a government sponsored program, wherein few hospitals receive directions and funds from the federal government. The allocated amount is used to help cancer patients so that they are able to deal with the hospitalization charges. You can get in touch with the American Cancer Society office to seek more information on financial assistance for cancer patients - http://www.cancer.org
Emergency financial assistance
Back then, I always wondered how to seek financial assistance during emergencies. I must admit that I have been in tight situations on numerous occasions. There were instances when the house owner was literally threatening me to walk out of the house if I was unable to pay the rent in the coming days. During those days, I figured out that emergency financial assistance programs exist to deal with such uncanny situations in life. I must admit that there are certain income guidelines that you are supposed to meet to avail any kind of financial assistance. The amount varies based on the state you reside.
a) I started off by paying a visit to the local Department of Family and Child Welfare office. Anyone looking for emergency financial assistance can do the same.
b) Fix an appointment as soon as possible and carry relevant documents such as overdue bills or eviction notices to prove that you need emergency funding.
c) Locating a community agency who participates in emergency financial assistance program will also prove to be helpful over here.
d) Here's a link that can provide you more information on emergency financial assistance programs - http://www.wakegov.com/humanservices/economic/assistance/default.htm.
Financial assistance for veterans
I am sure that you will rarely find anyone denying financial assistance for veterans. The US government offers numerous benefits to veterans to help them lead a normal life like a civilian. Education grants, disability payments and pensions are the common form of financial assistance offered to veterans. Lots of money is pumped specifically into education grants for veterans. In addition to tuition and other fees, some grants also offer a yearly stipend of $1000 or more for books and other supplies. Disability compensation is provided to those veterans who are forced to lead a disabled life as a result of their service in the armed forces. The financial assistance offered over here depends upon numerous factors such as the severity of the condition, dependent family members, existing financial status etc. In addition to government aid, veterans can also seek help from nonprofit establishments. There are loads of nonprofit establishments out there that willingly help veterans in need of financial assistance. One can seek more information through the link outlined over here: http://www.finaid.org/military/veterans.phtml
Statewide Financial Aid and Financial Assistance for Single MothersClick on the map below to check your state information
Read our other helpful articles for financial assistance:
a) Nursing scholarships for single moms - A single mom often becomes a single parent due to a divorce, her own choice or even by the death of her spouse. Moving up the financial ladder while supporting her child or children will be a tough task for her. To overcome this burden she should equip herself in a particular field which provides her an opportunity to earn a stable income. READ FULL ARTICLE ON Nursing Scholarships for single mothers