Step-by-step guides for accessing resources
Legal problems do not wait for you to afford a lawyer. Whether you are facing eviction, dealing with a custody issue, or need help with benefits, free legal help may be available. Legal Aid Organizations Legal aid offices provide free civil legal services to low-income individuals. They handle cases involving housing, family law, consumer issues,…
Internet access is essential for job searching, education, healthcare, and staying connected. Several programs help low-income households get online at reduced or no cost. Affordable Connectivity Program (ACP) This federal program provides up to $30 per month discount on internet service (up to $75 on tribal lands). It also offers a one-time discount of up…
The Children’s Health Insurance Program (CHIP) provides low-cost health coverage for children in families that earn too much to qualify for Medicaid but cannot afford private insurance. Millions of children receive coverage through CHIP. Who Qualifies? Children under age 19 Family income above Medicaid limits but below CHIP limits (varies by state) Many states cover…
Without reliable transportation, getting to work, medical appointments, and grocery stores becomes a major challenge. Here are resources that can help with transportation when you cannot afford a car or cannot drive. Medicaid Transportation If you have Medicaid, you may be entitled to free transportation to medical appointments. This Non-Emergency Medical Transportation (NEMT) benefit covers…
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…
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,…
