If you have Medicare but struggle with premiums, deductibles, and copays, Medicare Savings Programs can help. These state-run programs pay some or all of your Medicare costs. Types of Programs QMB: Pays Part A & B premiums plus deductibles and copays SLMB: Pays Part B premium QI: Pays Part B premium for slightly higher income…
Having no credit history can be just as challenging as having bad credit. Without a credit score, you may struggle to rent an apartment, get utilities, or access affordable loans. Here is how to start building credit from scratch. Start with a Secured Credit Card Secured cards require a deposit that becomes your credit limit….
Quality childcare is expensive, often costing more than rent or college tuition. But assistance programs can help make childcare affordable so you can work or attend school. Child Care and Development Fund (CCDF) This federal program provides childcare subsidies to low-income families who are working or in education/training. Benefits go directly to childcare providers, and…
Mental health care is essential healthcare, but cost and access barriers keep many people from getting help. Here are resources for affordable mental health support. Crisis Resources 988 Suicide & Crisis Lifeline: Call or text 988 (24/7) Crisis Text Line: Text HOME to 741741 Veterans Crisis Line: 988 then press 1 SAMHSA Helpline: SAMHSA.gov for…
The Earned Income Tax Credit (EITC) is one of the most powerful anti-poverty programs in America, yet millions of eligible families do not claim it. This refundable credit could put thousands of dollars in your pocket. Who Qualifies? You must have earned income from work Income limits depend on filing status and number of children…
Community Action Agencies (CAAs) are nonprofit organizations that fight poverty at the local level. They offer a wide range of services and can connect you with resources you might not know exist. Services Commonly Offered Emergency assistance (rent, utilities, food) LIHEAP energy assistance Head Start early childhood education Weatherization programs Housing counseling Job training and…
Losing your job is stressful, but unemployment insurance can help bridge the gap while you search for new work. Here is everything you need to know about filing for benefits. Eligibility Requirements Lost your job through no fault of your own (layoffs, reduction in force) Worked and earned enough wages in the past year (varies…
The National School Lunch and School Breakfast Programs help millions of children get nutritious meals each school day. Here is what parents need to know about these important programs. Who Qualifies? Free meals: Family income at or below 130% of poverty level Reduced-price meals: Income between 130-185% of poverty level Automatic eligibility: Families receiving SNAP,…
Drowning in debt can feel hopeless, but you do not have to figure it out alone. Nonprofit credit counseling agencies offer free or low-cost help to get your finances back on track. What Credit Counselors Do Review your complete financial situation Help create a realistic budget Negotiate with creditors on your behalf Set up debt…
If you need a safe place to stay tonight, emergency shelters provide temporary housing along with meals and supportive services. Here is how to find help quickly. Find Shelter Now Call 211: Available 24/7 to connect you with local shelters Homeless hotlines: Many cities have dedicated homeless services lines Coordinated Entry: The single point of…
