Each US state offers various government state assistance programs and (maybe) non-profit assistance local to that state. Our state assistance articles compile all the major state assistance programs for single mothers. We do the research so you don’t have to!
Of the government assistance programs in the US, your best bet is the various STATE ASSISTANCE programs that exist. You can find all manner of assistance from your state such as rent assistance, child care assistance, debt counseling, energy bill assistance, living assistance, medical assistance, dental assistance etc.
If you are struggling financially, you absolutely need to look to see what programs your STATE offers. There’s a good chance you will find some sort of assistance you qualify for.
Either click on one of the states below to view assistance options or keep reading to see an overview of the STATE ASSISTANCE programs offered. This information is up to date as of 2014.
Financial Assistance Programs by State - Select by moving mouse over appropriate state and clicking
Let’s look at some of the major categories / assistance programs you might find at the state level.
Mortgage Assistance Programs
Some states do offer mortgage assistance programs to individuals who cannot pay their mortgage. Truth be told, you likely won’t be getting mortgage payment help from the government, but you can qualify for counseling and foreclosure assistance. Information is power and you might as well take advantage of these free services if you can.
There is even a special government program called the Hardest Hit Fund program which offers homeowners who have lost their jobs or suffered a significant reduction in income temporary payment assistance on their mortgage, free mortgage counselling, and other related services.
The level of mortgage assistance varies from state to state. The programs can provide access to new mortgage loans, loan modification, refinancing on existing mortgages, financial counselling, mortgage mediation, education and other such aid.
We’ve written a complete guide to the various mortgage assistance programs available to you. If you are having problems paying your mortgage off, you absolutely need to read this. It’s one of the best mortgage help resources on the web right now.
Foreclosure Assistance Programs
There are also foreclose assistance programs offered by some states to reduce foreclosures. The help provided may postpone foreclosure or slow down the process – long enough for the homeowner to catch up on payments. The help will vary depending on the state you live in, but if you are in foreclosure, it’s absolutely worth looking to see what’s offered by your State.
Legal Assistance Programs (Mortgage / Foreclosure / Bankruptcy)
The Legal Services Corporation, a nonprofit backed by significant federal funding, offers grant money to law firms who will provide legal counsel and services to homeowners in foreclosure or who need mortgage assistance. The level of assistance provided by Legal Services Corporation depends but it can range from free legal advice, mortgage assistance help, state mediation services for mortgage modification, and other services that might help you keep your home. We recommend you look into these programs if you are having trouble paying your mortgage.
Debt Assistance Programs
If you are struggling from debt, there are various programs that can help, both state, federal, and private programs.These can take the form of free state-sponsored credit counselors who provide information on getting out of debt. There are also state and federal credit card hardship programs which will help restructure your credit card debt to manageable payments, and you can opt to work with medical billing advocates who will ensure medical billing is accurate and accountable (often, medical bills are not). Research shows you can save between 10-30 percent through these services.
Rent Assistance Programs
There are a number of rent assistance programs available to persons in need of such services. Therese programs range from federal government to state government services.
The largest source of rent assistance is found in the HUD (Housing and Urban Development) Rent Assistance Programs. HUD includes:
- Section 8 Housing vouchers
- Section 202 vouchers for Senior Rent Assistance
- Section811 Disabled Housing Assistance
- Emergency Rental Assistance Programs.
The largest program in the HUD is the Housing Choice Voucher Program, a government service that offers rent ‘vouchers’ to low income families to stay in approved low income housing units. This is also called the Section 8 Housing Assistance Program. The downside of this program is that the resources are limited and the demand high. It can literally take you years on a waiting list before you get in.
There are also Low Income Assistance Programs you can look at that will provide all manner of assistance which can include some rent assistance programs. Look into it.
Disability Assistance Programs
It’s possible to qualify for assistance for disabilities; states have programs that administer such programs. Such programs may include health care services, food help, home repairs, care giver assistance, cash assistance and more. There are a number of programs – both state, federal, and local. By far the Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), Energy bill assistance (by the Low Income Home Energy assistance Program for Disabled) and Medicare are the biggest disability services you can apply for. There are also some Veteran disability compensation services available if you are a Veteran.
Utility Bill Assistance Programs
Believe it or not, there are actually programs out there that will help with your energy (heating or cooling), phone, internet, and water bills. These programs are usually from the Utility companies themselves – privately, though some are backed by federal and state programs as well.
The target of this assistance are the elderly, the disabled, families with children, and or low income households unable to pay for the costs and face loss of essential services.
- Energy Bill Assistance — These programs are usually offer reductions on energy bill costs, energy bill ‘grants’ or payment delays.
- Telephone Bill Assistance – programs that offer savings on phone services, cell or landlines.
- Water Bill Assistance – programs by American Water (the biggest water utility company in the US) that offer grants and assistance to low income households unable to pay their water bill.
- Free weatherization programs – grants and or energy bill savings for energy-saving home improvements.
- Federal Grants for Utility Bills – a combination of local, state, and federal programs that provide grant funding to low income households to pay for utility bills. See LIHEAP for more details about this.
State Medical Care Assistance Programs
There are various programs ranging from medical bill assistance, prescription drug assistance, and community clinics to provide medical care to low income households who would otherwise be unable to acquire basic medical care services.
- Community Clinics: Clinics that offer either free or lower cost medical services to patients unable to pay full costs.
- Prescription Drug Assistance: programs that help individuals acquire free or discounted medications. In most cases, a voucher or discount card is provided to be used for this service.
- HRSA Health Care: A government agency that administers free or lower cost heath care services to low income households who cannot afford it, even if they are uninsured. HRSA offers medical services such as free checkups, free prescriptions, treatments, and other such services.
Food Assistance Programs
It’s possible to gain access to various state programs that provide food assistance to families in need.
Food Banks: One of the best ways to gain access to free groceries and food stuffs. Food Banks can be government affiliated, nonprofit, or charities; they are usually supplied with leftover groceries from grocery stores, food from restaurants and food stuffs from private donation drop-offs.
Food Assistance Programs: government (federal, state, and local) and non-profit organizations that offer food assistance to individuals in need. This assistance can include low cost or free food. The target of these programs are the needy, homeless, seniors, single parents, children, and the unemployed.
Just a couple (click on the link to see the full details) assistance food assistance programs out there. There are plenty more.
- WIC (Special Supplemental Nutrition Program for Women, Infants, and Children)
- School Lunch and Breakfast Assistance Program
Daycare Assistance Programs
For parents who need daycare assistance, there are programs at the state level that will help supplement child care. These specifically apply to parents looking for jobs, working, or going to school. The assistance is provided via vouchers and subsidies.
Job Assistance / Career Assistance Programs
There are federal agencies that specialize in helping individuals find jobs / acquire new job skills. These programs offer job training courses, career counseling, education resources, and work programs.
- One Stop Career Centers
- Workforce Investment Act
- Local Employment Centers
Non Profit Assistance Agencies
- Community Action Agencies – agencies that offer a variety of assistance such as job training, rent assistance, financial counselling, utility bill help, career counselling, and other services.
- Church Organizations – religious organizations sometimes have assistance programs, women’s shelters, food bank services, or other such help. You’ll have to look at local directories and call them to see what help they offer.
- Charities – often offer free household goods, clothing, food, emergency services, and education help to individuals in need.
- Legal Service Corporation – free legal advice can be had through LSC, which is a federally sponsored organization that offers grants to law firms who deal with low income individuals who can’t afford regular legal services.