Financial Stability Resources
Access cash assistance, free tax preparation, banking services, debt counseling, and emergency financial aid.
Quick Tips for Financial Stability
- Many programs can be applied for online – check websites first
- Bring ID, proof of income, and address when applying in person
- Ask about expedited services if you have an emergency
- Use our Eligibility Screener to see which programs you may qualify for
Cash Assistance Programs
Temporary Assistance for Needy Families (TANF)
Monthly cash assistance for families with children. Includes work supports and job training programs to help families achieve self-sufficiency.
Eligibility: Families with children under 18, income below state limits
Contact: Your state Department of Human Services
General Assistance / Emergency Assistance
Short-term cash help for individuals and families facing emergencies. May cover rent, utilities, or other essential needs.
Eligibility: Varies by state and county, typically very low income
Contact: Local Department of Social Services
Supplemental Security Income (SSI)
Monthly payments to people 65+ or with disabilities who have limited income and resources.
Eligibility: Age 65+, blind, or disabled with limited income
Contact: Social Security Administration 1-800-772-1213
Free Tax Preparation
Volunteer Income Tax Assistance (VITA)
Free tax preparation for individuals earning $64,000 or less. IRS-certified volunteers ensure you get all credits you qualify for, including Earned Income Tax Credit.
Eligibility: Income $64,000 or less annually
Contact: IRS.gov/VITA or call 211 for local sites
Tax Counseling for the Elderly (TCE)
Free tax help for taxpayers 60+, specializing in pensions and retirement-related issues.
Eligibility: Age 60 and older
Contact: 1-800-906-9887
Banking & Credit Services
Bank On Programs
Safe, affordable checking accounts with no overdraft fees and low minimum balances. Perfect for those who have been denied traditional accounts.
Eligibility: Open to everyone, especially those new to banking
Contact: JoinBankOn.org for certified accounts
Credit Counseling Services
Free or low-cost counseling to help manage debt, create budgets, and improve credit scores. May include debt management plans.
Eligibility: Anyone seeking financial guidance
Contact: NFCC.org for accredited counselors
Emergency Financial Aid
Community Action Agencies
Local agencies that provide emergency funds for rent, utilities, prescriptions, and other critical needs. Services vary by location.
Eligibility: Typically 125-200% of federal poverty level
Contact: CommunityActionPartnership.com
Modest Needs Self-Sufficiency Grants
One-time grants for working people facing temporary emergencies. Helps prevent financial crisis from becoming poverty.
Eligibility: Working households facing temporary crisis
Contact: ModestNeeds.org
Religious & Charitable Organizations
Many churches, synagogues, mosques, and charitable organizations offer emergency financial assistance regardless of faith.
Eligibility: Varies by organization
Contact: Local houses of worship or United Way 211