Step-by-step guides for accessing resources
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…
Dental care is often overlooked in health coverage, leaving many people suffering with tooth pain or infections they cannot afford to treat. But free and low-cost dental care is available if you know where to look. Community Health Centers Many Federally Qualified Health Centers offer dental services on a sliding fee scale based on income….
Before a utility company can disconnect your service, they must follow certain rules. Understanding your protections and acting quickly can help you keep the lights on. Common Shutoff Protections Medical certificates: Protection if someone in the household has a serious illness Winter moratoriums: Many states prohibit shutoffs during extreme cold Notice requirements: Companies must provide…
A high school diploma or equivalency opens doors to better jobs and further education. Many programs offer free GED preparation classes and may even cover test fees. Here is how to get started. Where to Find Free Classes Adult Education Centers: Most communities have free adult education programs Community Colleges: Often offer free prep courses…
Temporary Assistance for Needy Families (TANF) provides cash assistance and supportive services to low-income families with children. If you are struggling to meet basic needs, TANF could provide critical support. Who Qualifies for TANF? Families with children under 18 (or 19 if in school) Very low income (limits vary by state) U.S. citizens or qualified…
Receiving an eviction notice is frightening, but you have rights and options. Taking quick action can help you stay in your home or at least buy time to find alternatives. Here is what you need to know. Understand the Eviction Process Eviction is a legal process that takes time: Landlord must provide proper written notice…
Supplemental Security Income (SSI) provides monthly cash benefits to elderly, blind, or disabled people with limited income and resources. Understanding how to apply successfully can help you access benefits you deserve. Who Qualifies for SSI? Adults 65 or older with limited income and resources Adults or children who are blind Adults or children with a…
Getting new skills does not have to cost a fortune. Free job training programs exist throughout the country, offering paths to better-paying careers without student debt. Here is how to find training that fits your goals. WIOA Training Programs The Workforce Innovation and Opportunity Act (WIOA) funds training through American Job Centers nationwide. These programs…
Section 8 Housing Choice Vouchers help low-income families afford decent housing in the private rental market. While waiting lists can be long, understanding how the program works puts you in the best position to get help. How Section 8 Works With a voucher, you find your own housing in the private market. The housing authority…
