TANF and Other Government Programs for Low-Income Families

 Temporary Assistance for Needy Families, or TANF, was established in 1996 as a welfare program by the Federal Government. This program replaced three other welfare programs that could be used as a combined benefit in previous years. Both pre- and post-TANF plans have also been set in place by the Federal government in order to help ease the transition into and away from this welfare program. Families are eligible for cash assistance on an as-needed basis. The Federal government only allocates a certain amount of money each fiscal year for TANF, and the program is designed to help those who are truly in need of financial help. Those who do qualify for TANF benefits must also meet certain requirements in the pre- and post-TANF transitional periods, as well as meeting certain requirements while enrolled in the program.

How The Pre-TANF Program Works – steps before getting cash assistance:

In the pre-TANF phase of the program, a family will be assigned a caseworker who will assess the family’s financial situation. During this phase, the caseworker will identify areas of financial resources in the family and encourage the family members to obtain employment if they are not already employed. The pre-TANF phase can last anywhere from a day or two to up to 45 days, depending on each individual situation. Also during this time, the Department of Human Services can provide family members with childcare services while parents look for employment, and can even help with uniforms needed for a job or even personal care items as well. In this phase and throughout the TANF program, families are only placed in the TANF program as a last resort.

If all other options are exhausted, family members cannot find work or their income still falls well below the poverty line, then and only then are family members placed in this program. The program was also “revamped” in 1996 when it replaced the former welfare programs that existed; the existing programs became too much of a “crutch” as they were. The Federal government found that the former welfare programs did not provide enough incentives for those who were currently enrolled in such programs to seek viable employment. TANF was designed to provide assistance to those in need before, during and after their transitions into and out of this particular welfare program.

Assistance For Post-TANF Families

For those families who do become employed while enrolled in the TANF program and place themselves out of the program due to their income, the post-TANF program is designed to help ease their transition into the workforce. After receiving government assistance for a while which provides a steady source of temporary income, it can be a bit scary to transition into the sometimes unstable workforce. Since most employers require their employees to go through some sort of “probationary period” during the first 3, 6, or even 12 months of employment, the reality of an employee losing his or her job during this period is very possible. This can cause employees to be less confident in the stability of their job and understandably, so; the first year of employment is often the most difficult. However, the post-TANF program provides graduates of the TANF program with up to a $50 monthly stipend for a period of one year. This stipend can increase the employee’s confidence in his or her financial situation for the time being and can “buy some time” while the employee either looks for additional work, stays with the same employer, becomes promoted, or even changes jobs altogether.

Additional cash and financial assistance Offered For Single Moms

In addition to financial and employment assistance, families can apply for other government programs designed to assist low-income families. For example, the Supplemental Nutrition Assistance Program, also known as SNAP, provides families financial assistance for buying groceries and other basic household goods. Like the TANF program, families will be assigned a case manager who will review the family’s financial situation on a case-by-case basis in order to determine eligibility for the program. Those who are identified as being in “financial need” will go through a similar process as in the TANF program. A debit card will be issued to families eligible for the SNAP program. These cards are pre-loaded each month with ​ money. The amount of money on each card is determined by multiple factors. These factors include: income, household size, employment status, geographic location, access to jobs, etc. These SNAP debit cards are accepted at most grocery stores, gas stations, bulk food stores, and most other retailers that sell any type of consumable food. Originally created in 1943 and known as “food stamps,” the Federal government soon discovered that this program was being abused by those who did not necessarily qualify for the program. Over the years, the laws have changed, as well as the income brackets for eligibility into the program. Until fairly recently in the late 1980’s, the “‘food stamp” program was just that: physical stamps that resembled postage stamps. Each “food stamp” was assigned a specific value equal to the value of the different dollar bills of the United States. Those enrolled in the program prior to the late 1980’s had to count out the amount of food stamps needed to pay for their groceries equivalent to the amount of physical dollar bills each item cost.

Not to be overlooked, the healthcare needs of low-income families were also not being met due to the high cost of health insurance. Created under the Social Security Act of 1965, Medicaid provides low-income families with a managed care-type health care insurance. This program as a whole is focused on preventative healthcare, which means that it encourages and even requires those enrolled in its program to seek regular check ups with their physicians. Medicaid also covers dental care for those enrolled in the program. In addition to Medicaid, the Children’s Health Insurance Program (CHIP) is designed as additional healthcare coverage for children who qualify for the program.

All of these welfare programs provide assistance to those in financial need. Although all of the programs were originally created by the Federal government, they now fall under the jurisdiction of the individual states. The programs mentioned are just some of the many programs available for low-income families.

Assistance for Single Mothers in Colorado

 The State of Colorado administers a variety of programs designed to assist single mothers heading low-income families. These programs include assistance with childcare, health care, housing, food, and education. The number of single mothers raising children under the age of 18 in Colorado topped 95,000 in 2011, according to the National Association of Child Care Resource and Referral Agencies. With incomes averaging less than $30,000 per year, these Colorado single mothers usually will find they are eligible for numerous programs to help them succeed in difficult economic conditions.


The Colorado Peak website (https://peak.state.co.us/selfservice) is an excellent place to start to determine eligibility for public assistance for single mothers in Colorado. Colorado Peak is a web-based portal, maintained by the State of Colorado, that enables Colorado citizens to explore most state assistance programs in one place. Individuals enter their pertinent information by answering questions presented on the website. They then receive an estimation of their eligibility for food, medical, or cash assistance. Colorado Peak also allows individuals to apply online for benefits, check benefits online, or report changes their benefits.

Programs benefitting low-income single mothers in Colorado include:


Colorado Child Care Assistance Program (CCCAP)

Child care assistance for single mothers in Colorado is available from the Colorado Child Care Assistance Program (CCCAP). Under this program, eligible low-income families needing child care services in order to work, search for work, or train for work receive help to pay for that child care. Parents are able to choose their own child care provider, and that provider can be a relative, friend, licensed day care center, or licensed home day care.

Eligibility depends on income and family size, but all families whose income is 130 percent or less than the federal poverty guideline are served in all Colorado counties. Families that have an income above 85 percent of the State Median income are not eligible. Program participants must pay a “parental fee” directly to the provider at the beginning of each month. The amount of the parental fee is determined by the economic situation of each family. After the parental fee is paid, the CCCAP pays the balance of the monthly child care cost.



According to the Colorado Department of Health Care Policy and Financing, there are two primary programs that provide health care assistance for single mothers in Colorado. The first is Medicaid. This public health insurance program is available for low income families, children, and pregnant women, among others. Eligibility depends on the size of the family, income, and age, but income cannot exceed 250 percent of the federal poverty level. This program also cannot be combined with the Medicaid program.

Colorado Indigent Care Program (CICP)

For those who do not qualify for Colorado’s Medicaid program, there is another option called the Colorado Indigent Care Program. Not an insurance plan, the CICP provides financing to certain clinics and health care facilities so that eligible people can receive health care at those facilities at a discounted rate. CICP guidelines are that participants do not pay more than ten percent of their annual income to a participating clinic or hospital in any 12-month period.


Emergency Housing

Affordable housing can be a particular challenge for single mothers. Housing assistance for single mothers in Colorado is available primarily through federal government programs sponsored by the U.S. Department of Housing and Urban Development. This federal government program works in conjunction with the Colorado Department of Housing to provide low income rental assistance, emergency shelters, and specialized shelters for cases of domestic violence.

Section 8

The federal rental assistance program known as “Section 8” is administered by the Colorado Department of Housing in the state. Rental vouchers enable very low income participants to pay for affordable housing. Because this program is in great demand, priority is given to senior citizens, disabled citizens, and families of veterans. The total family income must be less than 30 percent of the area median income.


Colorado Food Assistance Program

According to the Colorado Department of Human Services, food assistance for single mothers in Colorado, who head low-income families, is readily available. Eligibility is dependent on the size of the household and the monthly income. The Colorado program guidelines state that unless federal exemption criteria is met, applicants for the Colorado food assistance program must work, apply for work, and/or accept offers of suitable work. Applicants must also participate in the Colorado Employment First Program, which is a federally mandated program designed to improve the employment prospects of the participants.

Women, Infants, and Children (WIC)

Other programs poised to help single mothers include the Colorado WIC assistance program. WIC stands for Women, Infants, and Children. WIC is a nutrition program that helps pregnant, post-partum, and breastfeeding mothers and children under five years of age. Participants receive checks to cover the cost of healthy foods like milk, eggs, bread, fresh fruit and vegetables for example. Nutrition education and health screening are also vital parts of the program.

Food Banks

Many local jurisdictions in Colorado support food banks. Usually run by non-profit or charitable agencies, these food banks provide free or very low cost food for low income individuals and their families. In times of financial difficulty, these local food banks can make a significant difference in lowering a family’s food budget.


Colorado Works – Temporary Assistance for Needy Families (TANF)

Temporary cash assistance for single mothers in Colorado is available through a program called “Colorado Works.” Also known as the Temporary Assistance for Needy Families (TANF), this program helps those low income individuals who are pregnant or have dependent children meet basic household expenses. Eligibility depends on income and the number of individuals in a family. Benefits are issued in the form of an electronic benefit transfer, or EBT, card.


Colorado Employment First

As noted above, the Colorado Employment First Program, required for all food assistance recipients, seeks to prepare individuals for gainful employment. Job training, GED classes, and other adult and vocational educational programs are provided.

Free Application For Federal Student Aid (FAFSA)

Single mothers who are pursuing a college education have a variety of financial aid options. FAFSA, or the web-based Free Application For Federal Student Aid form enables students to determine their eligibility for federal financial aid. Individual Colorado colleges, civic organizations, corporations, and many other places also offer grants, scholarships, and financial aid to eligible students.

Assistance for single mothers in Alabama

When you are a single mom, it may feel as if you are all alone. While you may be alone taking care of your kids, there is government assistance available, no matter where you live, to help you to be able to give your children the life that you want to give them. The key is to do your research to be able to find the assistance that you qualify for and that will meet your needs the best. Alabama single moms will find several websites that they can use to see what programs that they may qualify for.

Help With Childcare

To be able to work, you have to have childcare that you can trust and depend on to allow you to work when you need to. Childcare can be very expensive, but childcare subsidies that are offered in Alabama can help to decrease the cost that you will have to pay out of your own pocket. Not everyone will be eligible for these subsidies, but it costs you nothing to apply for the help and you may be surprised to find that you qualify. If you live in the state of Alabama and are employed and/or are enrolled in school/training, as well as fall beneath their income guidelines, you may be able to get some significant help to pay for your childcare. To learn more about childcare subsidies in the state of Alabama, you can visit http://dhr.alabama.gov/services/Child_Care_Services/Subsidy_Overview.aspx.

Food Assistance

Giving your kids the proper nutrition is a goal of any parent and oftentimes money can be the issue. Getting food assistance help can allow you to feed your children the fresh fruits and vegetables that you want them to eat without having to spend all of your money at the grocery store.

– There are several different programs that you may be eligible for, including WIC, which is for children under the age of 5 and women who are breastfeeding. This program allows you to get basic foods to keep your kids and yourself, if you are breastfeeding, healthier.

– Food stamps are another option. Your income will have to be beneath a certain limit, depending upon the size of your family, but they can help you to be able to go to the grocery store and get the healthy foods that you want to feed your children. This is a federal program, rather than a state-based program.

The programs will be based on your family size and the income guidelines that are based on the poverty level in your state of Alabama. To find more information about what food assistance programs are available in Alabama to help you and your children, you can visit: http://dhr.alabama.gov/services/Food_Assistance/Food_Assistance_Division.aspx.

Financial Assistance

There are times when you just need money to buy gas or to take care of bills. TANF or Temporary Assistance for Needy Families can be a way for you to get the cash assistance that you are looking for. They will take into account your income and assets, as well as your family size, to determine if you are eligible for this type of assistance. You will also have to take part in a work program, unless you have at least a part-time job that fulfills the requirements. At http://dhr.alabama.gov/documents/FAD-690.pdf, you can see more about the requirements and determine if you are eligible.

Healthcare Assistance

Without proper access to healthcare, it can be very stressful if your children get sick. Kids get sick and if you feel as if you cannot take them to doctor due to lack of insurance or money to pay for the visit, you feel like a bad parent and your child can get even sicker. Medicaid and ALL KIDS are two programs that cater to children’s healthcare. These are low or no cost programs that are based on your family size and income level to determine which one you qualify for. If you want to see the eligibility requirements of these programs, you can go to: http://healthinsurance.alabama.gov/unins_children.htm.

Housing Assistance

A roof over your head is something that most people take for granted, unless they do not have it. When you are a single mom and need to keep your children safe, a roof and a lockable door may be one of the most important things that you want to be able to find and pay for. Getting a subsidized apartment can reduce the amount that you will have to pay to ensure that you are able to keep yourself and your children as safe as possible. If you meet their eligibility requirements, they will help you to find an apartment that will be rent assisted. More information can be found on: http://portal.hud.gov/hudportal/HUD?src=/states/alabama.

Education Help

Education can be your key to taking care of your family. It can also be a great way to encourage your children to make changes in their own life. Getting educational assistance may not be as difficult as you may think. Grants, scholarships, and other programs can help you to go back to school without any cost to you. At http://oedb.org/grant/alabama, you can learn more about the programs that are available, as well as the eligibility requirements that you will need to meet to get the assistance that they offer. In addition, you can visit your local community college or university and talk to their financial aid office. Either way, you will be able to find different ways that you can use to help you to get your certificate or degree and get a better job.

Alabama has many different programs for single moms, but they are based on the size of your family, as well as your income. By narrowing down the services that you need and doing your research, you will be more informed and able to go through the process of application. Most of the programs listed above have eligibility requirements and you can see what they are online to ensure that you do not waste your time and that you are being offered the correct programs to meet your needs.

Financial Help for Single Mothers – The Help You Need and Deserve

Are you a single mother looking for financial help?

The unique challenges single mothers face may seem insurmountable at times, but there are many government assistance programs out there to help – you just have to know where to look. Whether you need financial help with daycare, education, finding a job, or simply making ends meet, we have the help you need. Continue reading Financial Help for Single Mothers – The Help You Need and Deserve

Assistance for Single Mothers in Maryland

Raising children can feel like an uphill battle and it can feel even worse when you are doing it on your own. If you are a single mother and you are struggling to make ends meet or provide for your children in the way you want, then you some of these programs are here to help. They will give you the assistance you need now so that you can work toward a better future.

MCHP (Maryland Children’s Health Program)

It is no secret that healthcare for you and your children can be very expensive. But the Maryland Children’s Health Program offers a way to get your children full health care coverage if they do not qualify for Medicaid.


In order for your children to be eligible they must be under the age of 19 and your income must be less than 200% of the federal poverty level. Pregnant women whose income is below 250% of the federal poverty level are also allowed to apply for the program. In most cases you must be uninsured in order to qualify but you can talk with your case manager to see if you can still benefit from the program. To learn more about eligibility and how to apply visit http://mmcp.dhmh.maryland.gov/chp/SitePages/Home.aspx.


The Maryland Children’s Health Program offers full health coverage, including hospitalizations, regular doctor’s visits, mental health care, dental health, vision, substance abuse and prescriptions. This is an invaluable program to be a part of as it ensures that your children will have access to high quality healthcare.

Child Care Subsidy

If you are struggling to go to work and go to school because you cannot find quality affordable child care, then you may be able to benefit from the child care subsidy program. The problem that many struggling mothers run into, is that going to work or school means that the majority of their money goes into paying for daycare. The Child Care Subsidy provides vouchers that reduce the financial burden of quality child care.


In order to be eligible for the child care subsidy you must be at or below a certain income level. For example a family of two must make less than $24, 277 a year in order to qualify. However, for teen parents or non-parent custodians, $5,000 is disregarded from your yearly income. This allow those with the greatest need reap the benefits of this program and move toward a better future. To see if you are eligible and to apply for the program visit http://www.mdchildcare.org/mdcfc/for_parents/poceligibility.html.


This program allows you to choose your child care provider, whether you choose to have informal care, which is care provided by a relative or non-relative in the child’s home or the provider’s home, or formal care which is care provided by a child care center or a registered child care home. The program will give you a certain amount of money each month as is determined by your income and family size.

SNAP (Supplemental Nutrition Assistance Program)

One of the major financial expenses that a family may encounter is the cost of food and SNAP hopes to ease this burden. The program offers a specific amount of money each month to be used toward certain food purchases in order to reduce the costs of feeding a family.


In order to be eligible for SNAP your family must meet certain income requirements that are based upon your monthly income and the number of people in your household. Your household income must meet or fall below 200% of the federal poverty line in order to qualify for the program. To apply for the program visit https://www.marylandsail.org/.


The SNAP program provides you with an Electronic Benefit transfer card which provides you with a certain amount of money on the first of each month. This card can then be used at nearly any grocery store on most food purchases. The amount of money that you receive is based upon your income and the number of people in your family.

TANF (Temporary Assistance for Needy Families)

The TANF program is a great way for a single mother to move toward a better future for her children by giving temporary assistance to get through a rough period. The program only disperses funds once per adult, so it is best that you only apply for this program when you have little other recourse.


Like most assistance programs, eligibility for TANF is based on your monthly income and the number of people in your household. You must have never taken advantage of TANF help before or used the service for less than 60 months. To see if you are eligible and to apply visit https://www.marylandsail.org/.


The TANF program provides you with a specified amount of money each month that is delivered to an electronic benefit transfer card. The amount that you receive is based upon your income and family size, for example a family of four can receive a maximum amount of $482 a month. This benefit is dispersed only once for every adult and only for 60 months, after which it can never be used again.

WIC (Women, Infants and Children)

The WIC program in Maryland is geared toward making sure that women and children receive the best nutrition available. The program is for pregnant women, nursing mothers, women who have given birth within the past six months and children under the age of five.


There is a low income requirement in order to take advantage of these services and you must have children that are under the age of five or be pregnant or nursing. To see if you are eligible and for more information visit http://fha.dhmh.maryland.gov/wic/SitePages/Home.aspx.


The WIC program provides monthly checks that can be used to buy food that meets certain nutrition requirements. They also provide immunizations and breastfeeding support to ensure the best health of children and babies.

These programs are just the beginning of what is available and they are often only meant to be a temporary solution. So if you do decide to take advantage of these services you should also try and find a way to become self-sufficient for when the programs run out.

Scholarships and Education Grants for Single Mothers – An Affordable Path to Higher Education

One of the most important things you can do as a single mother to increase your income and better take care of your family is to earn a college degree. However, with tuition on the rise and federal loans becoming more expensive, many single moms don’t think they can do it. The good news is that there are numerous scholarships and education grants that can make school affordable.

First Things First – FAFSA

The first step you’ll take will be to fill out your FAFSA. After filling it out in its entirety and submitting it, the government will tell you what your EFC is – otherwise known as Estimated Family Contribution. Even if you don’t think you’ll qualify for financial aid through the government, you’ll still need to fill out the form and get your EFC. Many of the scholarships and grants you may be eligible for will require it.

Speaking With Your Financial Aid Advisor

Your college or university will have a Financial Aid office, and they can be your first line of defense when searching for the right grants and scholarships. While we will cover some of the more readily available single mom scholarships across the country, your Financial Aid office can help you find local options. For example, most schools have specific scholarships and grants for residents who attend them, or there may be grants available exclusively to people from your home state.

Inquire About Tuition Reimbursement From Your Employer

Many single moms are surprised to learn that their employer offers tuition reimbursement. Ask your manager or boss if your company does. The downside to this option is that you will typically have to pay upfront, and will only be reimbursed if you earn a certain letter grade or above.

Single mother grants and scholarships You May Be Eligible For

If you are a part of specific minority group or belong to a church, then make sure you let your Financial Aid advisor know. There are frequently scholarships available to groups like Native Americans, African-Americans, or people of a certain religion.

Jeannette Rankin Women’s Scholarship Fund

The Jeannette Rankin Women’s Scholarship Fund is available only to women over the age of 35. As of today, over 1 million dollars have been given out to adult women who are trying to attend school but are financially unable to do so. The eligibility requirements are as follows:

– Women

– 35 and older

– U.S. Citizen or Permanent Resident of the U.S.

– Enrolled in or accepted into an accredited school

– Pursuing one of the following: technical or vocational education, an associate’s degree, or a first bachelor’s degree

– Low income

The Jeannette Rankin Women’s Scholarship Fund specifies the income eligibility requirements as well. For example, a household of 3 with an income of $31,900 will qualify. For a household of 2, the income cap is $23,243. Visit their website for more details on income requirements.

When awarding the scholarships, the foundation takes several additional factors into consideration, including: your goals, how you plan to achieve those goals, and specific challenges you’ve faced.

Talbots Charitable Foundation Scholarship

If it’s been 10 years since you received either your GED or high school diploma, then you may be eligible for the Talbots Charitable Foundation Scholarship. These scholarships are given based on need, so you’ll need the information from your FAFSA to apply.

Each year the organization gives out 6, $10,000 scholarships and 60, $1,000 scholarship. The $1,000 scholarships can be awarded to women who are attending either a 2 year or 4 year college. However, the $10,000 scholarships are only available to students attending 4 year colleges.


EMERGE, which stands for: Empowering Women Through Education, has given out more than $200,000 in scholarships over the last decade. Typically they award 10 scholarships per year, and each one is worth $5,000. The eligibility requirements are as follows:

– Applicants must provide an acceptance letter or official school transcript from the college they are attending / plan to attend

– Applicants must be at least 25

– Applicants must submit an essay

The criteria used to decide who gets the scholarships includes:

– Financial need

– Funding received from other places

– Career and life goals

– Essay contest

– Leadership and community activities

– Honors and awards received

Women In Transition Scholarship

One of the most popular degrees for women is an Accounting Degree. If you’re planning to pursue accounting, then the Women in Transition Scholarship may be available to you. The scholarship provides up to $16,000 over a course of 4 years. These scholarships are available specifically to adult women who’ve taken at least 2 years off of school and plan to return.

Help At the End of Your Education

Much of the focus is put on women who are just getting back to school, but there are plenty of women who have made it through 2 or more years and simply can’t make it the last year or two. There are scholarships and grants available specifically to you, if you’re in this situation. For example, the Women In Need Scholarship is for Juniors and Seniors who are having trouble getting the financing to finish their degrees.

College can seem expensive, but the truth is that not getting an education will cost you potentially hundreds of thousands of dollars in lost income over the course of your lifetime. The scholarships and grants on this page are a great starting point for single moms who want to return to school.

Assistance for Single Mothers in Hawaii

The programs offering assistance for single mothers in Hawaii are impeccable. Each program is set up with single mothers and low income families in mind. Program leaders understand that families can suffer financial hardships and may need a little bit of help from time to time. Each program will have an application and qualification process and each process will be different. Most of these programs will require the same type of documentation. To save yourself time, keep a folder with important documents available. The documents in the folder should include copies of ID’s for all household members, copies of Social Security cards for all household members, birth certificates, rental agreements or mortgage statements, current bank statements, current utility bills and current pay stubs. Having all of this information together at all times will help as you’re applying for assistance programs. Many communities in Hawaii offer community programs that help families with food and clothing. Hawaiian culture is very different; they are a tight knit community of people that always reach out to help others when they are able.

Food and Nutrition Assistance for Single Mothers in Hawaii

Hawaiian culture is often centered on a special meal or celebrating a special event. Communities will come together to help other community members that are struggling to provide food for their children. Local and Government food and nutrition assistance for single mothers in Hawaii is available. SNAP and WIC are two programs that cater to helping single mothers and low income families to provide healthy food for their children. These programs do require an application process. For families that do not qualify for these programs, food banks are available in many communities. Food banks provide emergency food supplies and other necessities to low income families and single mothers.

SNAP is Hawaii’s form of Food Stamps. This program helps low income families with a set amount of food dollars on a debit like card each month. The amount of assistance per month will vary depending on a family’s qualification for the program. Families of the same number may receive more or less assistance than another solely depending on the income and household bills. The net income of the family must be at least 100% of the Federal poverty guidelines. SNAP may not be available to all families. Families that receive TANF or SSI/SSDI cash assistance are generally qualified for the SNAP program.

WIC is a program designed to help single mothers and families of children that are age five or younger to provide healthy, developmentally rich foods to their children. Families that have babies or infants will have an allotted amount of formula, baby cereal or baby food available. Income restrictions do apply to this program. The WIC program provides foods such as juice, cheese, cereal, fresh fruits, fresh vegetables, milk and peanut butter for nutrition assistance.

Housing Assistance for Single Mothers in Hawaii

Providing necessary shelter for your children is important. For some families, the income is just not enough to afford proper housing. Housing assistance for single mothers in Hawaii is available to those that qualify. Assistance with apartment or housing rental can be obtained if agencies have the funds and the family’s income qualifies them. Apartment or house security deposit and monthly rent amounts can be paid for by local agencies or large church organizations. It is best to speak with your caseworker to inquire about available programs and which ones you would qualify for.

Another resource that most don’t consider is the local Salvation Army. Their funds do run out quickly, and their funding often takes time to be replenished. The Salvation Army can help to prevent eviction, utility disconnection and does have a food pantry. If they have funds available, an eviction notice is required for their housing assistance program. A utility disconnection notice is required for utility assistance if funds are available.

Childcare Assistance for Single Mothers in Hawaii

It is very common to see single mothers out of work due to not having appropriate childcare in place for their children. Assistance for single mothers in Hawaii regarding childcare may be available if program eligibility guidelines are met. PATCH is the main program available in Hawaii. This organization provides resources to single mothers and low income families struggling to provide sufficient childcare for their children while they work to support the family’s needs. This program does have a qualification process and does its best to match each family with the appropriate facility and program to suit their needs.

Hawaii has a large variety of resources available for childcare assistance other than PATCH. Head Start is available for children that are ages four and five to families that meet the income guidelines. Head Start is a national program that helps almost three quarters of a million children each year with, not only childcare, but early childhood development. Early Head Start is a program that is available for children under the age of four that qualify.

Other organizations that are available for assistance for single mothers in Hawaii regarding childcare are Arbor Child Care Connection, POD(Preschool Open Doors Program), Pauahi Keiki Scholars Program and Maui County Subsidy. Each of these programs requires that the single mother or parents be working or attending school and that they meet the income restrictions. Pauahi Keiki Scholars Program does require that participants in the program are of Native Hawaiian ancestry and that the program is approved by Kamehameha Schools.

Other Services for Assistance for Single Mothers in Hawaii

Healthcare is often a worry for a single mom. Medicaid (Med-QUEST or MQD) assistance for single mothers in Hawaii may be an option. This is available to qualifying adults and children. Most families that qualify for TANF or SNAP generally also qualify for Medicaid. Unfortunately, in Hawaii, the only Government subsidized program for healthcare is Medicaid. The qualification process for Medicaid is very strict since the program is a growing need in Hawaii. The need for healthcare in Hawaii is a rising concern as the number of adults and children is also on the rise. Some applicants may meet the program guidelines but may be turned down if there is no immediate medical need that must be met for survival.

There are not many programs available in Hawaii to assist with utility payments or to help avoid utility disconnection. Salvation Army is the first agency to attempt to obtain utility assistance with always. If they cannot help, they will provide several other resources that may have the funds to help your family avoid a utility disconnection. Low income families may qualify for the Energy Assistance Program; inquire with your Department of Human Services casework for program eligibility.

A suggestion for assistance for single mothers in Hawaii is to join local social groups or groups that are specifically geared toward single mothers. The women in these groups often have resources that many agencies do not make very public. These women have worked hard to find additional avenues to provide for their children by way of help from other local agencies. Clothing trade groups may be available if clothing cannot be purchased. Single mother’s support groups are out there, it is beneficial to become a part of one to share ideas, gain emotional support and build a strong support network.

Living Assistance from the Government

Living assistance from the government can be available in the form of grants and other state programs. In cases of severe financial distress, low-income and under employed families may qualify for a one time government grant to help with living expenses. This program is most commonly used for rent and mortgage payments to avoid eviction or foreclosure. Other forms of Government assistance are also available.

HUD Housing Program

HUD Housing is low income; Government subsidized housing that aids families in obtaining safe housing for their families. There are a lot of stipulations associated with this program. HUD Housing can be privately owned or publicly owned. Privately owned HUD housing allows for an apartment building or home owner to offer reduced rental rates based on a family’s income. HUD is living assistance from the Government.

Families that qualify for HUD Housing assistance must abide by strict guidelines. Only those listed on the HUD application may live in the home. Certain criminal offenses will be disallowed for tenancy. Strict income guidelines must be followed. Any and all income changes must be reported immediately. This can change your eligibility as well as decrease the amount of rent paid if an income decrease takes place.

Many HUD houses are built by volunteers. HUD homes are also built for specific families from time to time. These special homes are built in special circumstances. They are usually built for families that have disabled members requiring modified living conditions in order to live with their families. Those living in HUD homes are often so appreciative of the program and how much it has helped their family that they will volunteer to help build a home for another family in need. The HUD community can become very close.

Section 8 Housing

Section 8 housing living assistance from the Government provides qualifying families with reduced rental rates for subsidized or public housing. There are also strict income requirements for this program. Most states are on a long waiting list to enter this program. By the time your number on the list is reached, it is likely that your financial situation has changed for the better. There are cases where a family can be on an Emergency Section 8 list. This would mean that the family, with young children, is homeless.

Section 8 also has strict rules as far as staying in their program. In order to remain eligible for Section 8, you must abide by all of the rules and regulations of the program including not allowing unauthorized people to live in the home. Criminal activity cannot take place within the home. The home itself cannot be damaged or sublet. Section 8 does have the right to inspect their property with 24 hours notice. They do expect their homes to be kept neat and clean. Unsatisfactory living conditions upon inspection can cause a person to be taken off of the program.

The Section 8 program is fully funded by State and Federal Governments. Program availability can change from year to year as funding amounts do often change. If the national budget cannot suffice the large amount of funding for the program in a specific year, fewer applicants are approved for the program. There is nothing that an agency can do to push an application through if the funding is not there and all of the housing is full. The most that they can do is find other sliding income housing or a suitable shelter.

Government Grants for Living Assistance Purposes

Living assistance from the government in the form of grants is attainable for families suffering severe financial hardship. These grants are offered only one time to low income families. A grant can be given for eviction prevention or foreclosure prevention, home repairs and for general living expenses. A general living expense grant is sometimes available depending on the program you are applying to.

Government grants for these purposes usually do not require reimbursement. Since the grants are available to a person only once in their lifetime, the government often seeks further funding to keep this program available. The items needed to apply for a government living assistance grant include a letter of intent, proof of financial hardship, proposal of the need and what the funds will be used for. It can take several months to receive an answer regarding the acceptance or denial of your request.

Other Living Assistance Programs

Local agencies may be able to provide living assistance from the government. The government does provide funds to some local agencies to assist their community members. These programs are usually saved for the elderly and extremely low income families, including single mothers. Those that are homeless will take precedence over others that are simply a little short on their bills.

One local agency that may be able to help with Government provided living assistance funds would be your local Salvation Army office. They receive funding from state and federal government agencies as well as private funding in the way of donations. The Salvation Army provides living assistance from the government in the way of rent or mortgage payment, electricity payments and natural gas payments. Some Salvation Army locations offer transportation assistance, car repair assistance, food assistance, clothing, toiletries and medication assistance. They can help only once per year with a major expense such as rent or utility payments. There are also some locations that can help with moving costs to obtain suitable housing by helping with security deposits or the first month’s rent. If they do not have funds available to assist you and your family, ask them about other government funded programs in the area that may have funds. They will gladly provide you the resources needed to reach out to another agency.

Living assistance from the Government may not be available in all states. Programs for this type of assistance often run out of funds early in the year. It is difficult to replenish the funding as donations and grant funds have decreased. If all of these programs fail to have the funds to help you, ask them to refer you to a safe shelter for temporary housing.

How to get a Cheap Payday Loan from a Reputable Lender

payday loanPayday loans are also referred to as ‘deferred deposits’ or ‘cash advances’. These loans are typically conducted by having the borrower write a check to the lender in order to receive a short-term cash loan. For instance, borrowers may write a $200 check, pay a $40 fee and get $255 in cash. Lenders don’t cash the check until the next payday which can be up to 31 days away. Continue reading How to get a Cheap Payday Loan from a Reputable Lender

Grants for Hispanic Women

There are grants for Hispanic women that are available for a variety of reasons. Twp of the most common grants are to fund a person interested in going back to school or starting a business. Foundations give grants to improve areas that the foundation thinks need improving. Continue reading Grants for Hispanic Women